import pandas as pd
import numpy as np
import openpyxl as xl
file_path='C:/Users/AIRYOLK NIGERIA LTD\Desktop/DATA ANALYTICS TRAINING/us finance consumer complaints/consumer_complaints.csv'
df=pd.read_csv(file_path)
df
C:\Users\AIRYOLK NIGERIA LTD\anaconda3\lib\site-packages\IPython\core\interactiveshell.py:3444: DtypeWarning: Columns (5,11) have mixed types.Specify dtype option on import or set low_memory=False. exec(code_obj, self.user_global_ns, self.user_ns)
| date_received | product | sub_product | issue | sub_issue | consumer_complaint_narrative | company_public_response | company | state | zipcode | tags | consumer_consent_provided | submitted_via | date_sent_to_company | company_response_to_consumer | timely_response | consumer_disputed? | complaint_id | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | 08/30/2013 | Mortgage | Other mortgage | Loan modification,collection,foreclosure | NaN | NaN | NaN | U.S. Bancorp | CA | 95993 | NaN | NaN | Referral | 09/03/2013 | Closed with explanation | Yes | Yes | 511074 |
| 1 | 08/30/2013 | Mortgage | Other mortgage | Loan servicing, payments, escrow account | NaN | NaN | NaN | Wells Fargo & Company | CA | 91104 | NaN | NaN | Referral | 09/03/2013 | Closed with explanation | Yes | Yes | 511080 |
| 2 | 08/30/2013 | Credit reporting | NaN | Incorrect information on credit report | Account status | NaN | NaN | Wells Fargo & Company | NY | 11764 | NaN | NaN | Postal mail | 09/18/2013 | Closed with explanation | Yes | No | 510473 |
| 3 | 08/30/2013 | Student loan | Non-federal student loan | Repaying your loan | Repaying your loan | NaN | NaN | Navient Solutions, Inc. | MD | 21402 | NaN | NaN | 08/30/2013 | Closed with explanation | Yes | Yes | 510326 | |
| 4 | 08/30/2013 | Debt collection | Credit card | False statements or representation | Attempted to collect wrong amount | NaN | NaN | Resurgent Capital Services L.P. | GA | 30106 | NaN | NaN | Web | 08/30/2013 | Closed with explanation | Yes | Yes | 511067 |
| ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| 555952 | 07/01/2014 | Mortgage | Other mortgage | Loan modification,collection,foreclosure | NaN | NaN | NaN | Bank of America | NaN | NaN | NaN | NaN | Referral | 07/07/2014 | Closed with explanation | Yes | No | 919529 |
| 555953 | 07/01/2014 | Mortgage | Other mortgage | Loan servicing, payments, escrow account | NaN | NaN | NaN | Residential Credit Solutions | NaN | NaN | Older American, Servicemember | NaN | Referral | 07/23/2014 | Closed with explanation | No | No | 918447 |
| 555954 | 07/10/2012 | Mortgage | Conventional fixed mortgage | Loan modification,collection,foreclosure | NaN | NaN | NaN | BB&T Financial | NaN | NaN | NaN | NaN | Phone | 11/18/2013 | Closed with explanation | Yes | No | 114550 |
| 555955 | 04/14/2015 | Debt collection | I do not know | Communication tactics | Frequent or repeated calls | NaN | NaN | Global Recovery Group | NaN | NaN | NaN | NaN | Phone | 04/14/2015 | Untimely response | No | No | 1329963 |
| 555956 | 08/14/2014 | Debt collection | I do not know | Cont'd attempts collect debt not owed | Debt is not mine | NaN | NaN | CCS Financial Services, Inc. | NaN | NaN | NaN | NaN | Phone | 08/18/2014 | Closed with explanation | Yes | No | 984116 |
555957 rows × 18 columns
df.dtypes
date_received object product object sub_product object issue object sub_issue object consumer_complaint_narrative object company_public_response object company object state object zipcode object tags object consumer_consent_provided object submitted_via object date_sent_to_company object company_response_to_consumer object timely_response object consumer_disputed? object complaint_id int64 dtype: object
df.shape
(555957, 18)
df.isnull() #Let's check for null values
| date_received | product | sub_product | issue | sub_issue | consumer_complaint_narrative | company_public_response | company | state | zipcode | tags | consumer_consent_provided | submitted_via | date_sent_to_company | company_response_to_consumer | timely_response | consumer_disputed? | complaint_id | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 0 | False | False | False | False | True | True | True | False | False | False | True | True | False | False | False | False | False | False |
| 1 | False | False | False | False | True | True | True | False | False | False | True | True | False | False | False | False | False | False |
| 2 | False | False | True | False | False | True | True | False | False | False | True | True | False | False | False | False | False | False |
| 3 | False | False | False | False | False | True | True | False | False | False | True | True | False | False | False | False | False | False |
| 4 | False | False | False | False | False | True | True | False | False | False | True | True | False | False | False | False | False | False |
| ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| 555952 | False | False | False | False | True | True | True | False | True | True | True | True | False | False | False | False | False | False |
| 555953 | False | False | False | False | True | True | True | False | True | True | False | True | False | False | False | False | False | False |
| 555954 | False | False | False | False | True | True | True | False | True | True | True | True | False | False | False | False | False | False |
| 555955 | False | False | False | False | False | True | True | False | True | True | True | True | False | False | False | False | False | False |
| 555956 | False | False | False | False | False | True | True | False | True | True | True | True | False | False | False | False | False | False |
555957 rows × 18 columns
df = pd.read_csv('C:/Users/AIRYOLK NIGERIA LTD\Desktop/DATA ANALYTICS TRAINING/us finance consumer complaints/consumer_complaints.csv')
df.dropna(inplace = True)
print(df.to_string())
C:\Users\AIRYOLK NIGERIA LTD\anaconda3\lib\site-packages\IPython\core\interactiveshell.py:3444: DtypeWarning: Columns (5,11) have mixed types.Specify dtype option on import or set low_memory=False. exec(code_obj, self.user_global_ns, self.user_ns)
date_received product sub_product issue sub_issue consumer_complaint_narrative company_public_response company state zipcode tags consumer_consent_provided submitted_via date_sent_to_company company_response_to_consumer timely_response consumer_disputed? complaint_id
191335 03/19/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt resulted from identity theft In XX/XX/XXXX I filed a police report regarding my wallet being stolen which had money, credit cards, driver 's license, SS card, and checks. I immediately went to my bank and closed the account and reopened a new one and received new checks with a different account number. The person who stole my wallet had used my debit card ... but since it was still pending ... the bank was able to block the withdrawal. I placed a fraud alert on my credit reports and I got a new driver 's license and then ended up getting a XXXX one with my new name since I had married. \nLast week I received a letter from Meade & Associates attempting to collect on a debt from XXXX checks written on my old account with my old drivers license name starting in XX/XX/XXXX. I called and spoke with XXXX XXXX and he agreed that everything was done correctly, I just needed to send him the information from my bank and the police report along with my current drivers license. I requested that he send me copies of the checks that were written, which he did. I went to my bank and they did not have anything specific since nothing actually went through my account at the time. However, they new I had closed that account and reopened the new one and that I had presented them with a police report. They wrote me a letter to give to XXXX XXXX and I was able to retrieve the police report online. Monday, XXXX XXXX, I faxed both of these documents along with my current drivers license, my actual signature, as well as the new police report number for the case filed with the forgery/fraud department. I followed up with a call to XXXX XXXX on Tuesday and was informed he was not available, but they would have him return my call. I called Wednesday afternoon and was then told that he had left early that day without returning my call. I asked if anyone else could help. I was transferred to XXXX. She obtained the documents that I had faxed and I explained to her I wanted to finalize clearing this ordeal. She became hateful and kept saying she needed documents that I she already had. She stated I still needed an affidavit from my bank stating I did not write the checks ... she refused to listen to anything I had to say and acted is if it did not matter what I sent ... it was n't going to make a difference. At that point I definitely became angry and she told me to never call that office again. I called my bank and told them what was going on and they stated that XXXX did not know what she was talking about because the bank never had me sign an affidavit because nothing had actually gone through my account since I had immediately blocked all transactions due to closing the account. The check transactions even clearly say that when they were processed there was no account found. I am currently waiting for my case to be assigned to a detective ... but I am filing reports and claims to help prevent any more aggravation from this company and hope they will learn that you ca n't treat people like criminals when they are the victims in some circumstances ... especially when they present facts and proof. \n Company believes it acted appropriately as authorized by contract or law Meade & Associates, Inc. KY 400XX Servicemember Consent provided Web 03/19/2015 Closed Yes No 1290282
191417 03/26/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I received services from a healthcare provider XXXX years ago. Recently I got a call from a Collection Agency who said the debt has not been paid. The healthcare provider and I were in agreement that they 'd take care of billing but somehow my name was thrown into the mix. The healthcare agency does not respond to my inquiries about the debt or to the collection agency 's inquiries about the debt. This has a possibility of ruining my credit. \n Company chooses not to provide a public response CMRE Financial Services, Inc. CA 906XX Servicemember Consent provided Web 03/26/2015 Closed with explanation Yes No 1302072
191636 03/19/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I have reached out to the company. However, they never responded. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Sun Trust '' on XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. \n\nPlease find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter. \n Company chooses not to provide a public response SunTrust Banks, Inc. MD 207XX Servicemember Consent provided Web 04/03/2015 Closed with explanation Yes Yes 1292216
191858 03/19/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Reached out to them however, never got a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Flagship Credit '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. \n\nPlease find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter. \n Company believes it acted appropriately as authorized by contract or law FC HoldCo LLC MD 207XX Servicemember Consent provided Web 03/31/2015 Closed with explanation Yes Yes 1292219
192023 03/19/2015 Debt collection Credit card Improper contact or sharing of info Contacted me instead of my attorney After retaining counsel in XXXX of XXXX due to contact by Javitch & Co. a collection agency in XXXX OH for judgement on a credit card debt I could no longer pay on due to having lost my job in XXXX of XXXX ... said collection agency sent me on consecutive months from XXXX till XXXX, requests fro payments ... Attorney XXXX XXXX XXXX OH contacted said collection firm and asked to set up a payment schedule - debited directly from my bank account. Attorney XXXX NEVER had a call returned from XXXX XXXX the contact person on record for this action with Javitch & Co. in XXXX OH. I am on Social Security, as my only source of income. \nBeing a seasonal employee at XXXX XXXX in XXXX - I was contacted by XXXX XXXX that my wages would be garnished at 25 % of net pay, when I worked for XXXX XXXX - working for XXXX XXXX from XXXX XXXX to XXXX XXXX, XXXX - I had {$2800.00} garnished from my paychecks - a MAJOR setback for my finances as my Social Security barely covers my monthly overhead. \nEfforts by Attorney XXXX to reach XXXX XXXX at Javitch & Co. to arrive at an equitable monthly payment - directly debited from my account. Went unanswered by phone and writing. \nA complete written history since judgement was rendered by the court toward my effort to establish payment schedule, through counsel is 100 % factual. This Collection agency - Javitch & Co. has totally ignored all requests by counsel & has circumvented equitable protocol to establish a payment schedule for re-payment of this debt. \n Company chooses not to provide a public response Javitch, Block & Rathbone LLC OH 442XX Older American Consent provided Web 03/30/2015 Closed with explanation Yes No 1292201
195065 03/20/2015 Debt collection Credit card Improper contact or sharing of info Contacted me instead of my attorney After retaining counsel in XXXX of XXXX due to contact by XXXX XXXX XXXX a collection agency in XXXX OH for judgement on a credit card debt I could no longer pay on due to having lost my job in XXXX of XXXX ... said collection agency sent me on consecutive months from XXXX till XXXX, requests fro payments ... Attorney XXXX XXXX XXXX OH contacted said collection firm and asked to set up a payment schedule - debited directly from my bank account. Attorney XXXX NEVER had a call returned from XXXX XXXX the contact person on record for this action with XXXX XXXX XXXX in XXXX OH. I am on XXXX, as my only source of income. \nBeing a seasonal employee at XXXX XXXX in XXXX - I was contacted by XXXX XXXX that my wages would be garnished at 25 % of net pay, when I worked for XXXX XXXX - working for XXXX XXXX from XXXX XXXX to XXXX XXXX, XXXX - I had {$2800.00} garnished from my paychecks - a MAJOR setback for my finances as my XXXX barely covers my monthly overhead. \nEfforts by Attorney XXXX to reach XXXX XXXX at XXXX XXXX XXXX to arrive at an equitable monthly payment - directly debited from my account. Went unanswered by phone and writing. \nA complete written history since judgement was rendered by the court toward my effort to establish payment schedule, through counsel is 100 % factual. This Collection agency - XXXX XXXX XXXX has totally ignored all requests by counsel & has circumvented equitable protocol to establish a payment schedule for re-payment of this debt. \n Company chooses not to provide a public response Bank of America OH 442XX Older American Consent provided Web 03/25/2015 Closed with explanation Yes Yes 1294280
197173 03/20/2015 Debt collection I do not know Taking/threatening an illegal action Threatened to sue on too old debt MANY HARASSING PHONE CALLS PER DAY \n Company can't verify or dispute the facts in the complaint Southwest Credit Systems, L.P. CA 925XX Older American, Servicemember Consent provided Web 03/23/2015 Closed Yes No 1293764
197456 03/20/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " ALLY FINANCIAL '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. \n\nPlease find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter. \n Company chooses not to provide a public response Ally Financial Inc. MD 207XX Servicemember Consent provided Web 03/26/2015 Closed with explanation Yes No 1294297
197468 03/20/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " CBNA '' on XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. \n\nPlease find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter. \n Company chooses not to provide a public response Citibank MD 207XX Servicemember Consent provided Web 03/25/2015 Closed with explanation Yes Yes 1294298
197496 03/20/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Carvant Financial LLC '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. \n\nPlease find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter. \n Company believes it acted appropriately as authorized by contract or law CARVANT FINANCIAL LLC MD 207XX Servicemember Consent provided Web 04/14/2015 Closed with explanation Yes No 1294301
197503 03/20/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I sent a letter and have yet to receive a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " American Credit Acceptance '' on XX/XX/2014 via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. \n\nPlease find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter. \n Company believes it acted appropriately as authorized by contract or law American Credit Acceptance, LLC MD 207XX Servicemember Consent provided Web 03/25/2015 Closed with explanation Yes Yes 1294302
197559 03/26/2015 Debt collection Auto Communication tactics Frequent or repeated calls Navy federal credit union is attempting to contact not just me but finding ways to contact my family after I have asked them not to contact me after XXXX as I am at work. They have taken it to the point of contacting not just me but my wife 's XXXX father, my grandparents, and my father after I have provided them no phone numbers but my own and stated do not call any numbers but mine \n Company believes it acted appropriately as authorized by contract or law Navy FCU ID 836XX Servicemember Consent provided Web 03/26/2015 Closed with non-monetary relief Yes No 1303056
197808 03/27/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine National Commercial Services sent me a letter dated XX/XX/XXXX alleging I owed them approximated {$320.00} and alleged my XXXX. I do not believe my XXXX. I have no evidence to support that and there is court judgment. I responded with a certified letter sent XX/XX/XXXX and received confirmation of receipt on XXXX \n Company chooses not to provide a public response National Commercial Services, Inc KS 672XX Servicemember Consent provided Web 03/27/2015 Closed with explanation Yes No 1304236
198553 03/20/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Indicated committed crime not paying I chose # XXXX because I did n't see an appropriate point under " False statements or representation. '' NATIONAL CREDIT SYSTEMS , INC '' told me I had to pay the debt by giving them my CHECKING ACCOUNT NUMBER in order to " Protect your credit. '' And when I said I was n't giving them my acct number she said " Well, like I told you, giving me your checking account number is THE only way to protect your credit. '' I called within XXXX days and said I wanted a letter statin that if I XXXX they would contact the credit bureaus to say the debt was XXXX, and that I was going to send an official money order for the XXXX payment. AGAIN she said if I did that they could not ensure my credit. \n Company believes it acted appropriately as authorized by contract or law National Credit Systems,Inc. OH 445XX Older American Consent provided Web 03/20/2015 Closed with explanation Yes No 1294121
198595 03/21/2015 Payday loan Payday loan Can't contact lender Can't contact lender I hired a company to deal with Cash Express in XXXX TN but the manager of the store has written me a letter threatening civil action. Their corporate office sends letters like XXXX or XXXX at a time. The company I hired said they have contacted them but they do n't let up. Address : XXXX XXXX XXXX XXXX, XXXX, TN XXXX : ( XXXX ) XXXX This is their corporate headquarters. I am on XXXX and I could no longer afford the outrageous fees they were charging. \n Company disputes the facts presented in the complaint Cash Express, LLC TN 377XX Older American Consent provided Web 03/21/2015 Closed with explanation No No 1294754
198640 03/21/2015 Debt collection Mortgage Disclosure verification of debt Not given enough info to verify debt 1. XXXX is competent to state the matters set forth herein. \n2. XXXX has first hand knowledge of the facts stated herein. \n3. All the facts herein are true, correct and complete, admissible as evidence, and if called upon as a witness, XXXX will testify to their veracity. \n\nPlain Statement of FactsDefinitionAlleged Lender now is Bank of America N.A . \n\n4. There is no evidence that I/we have any outstanding liabilities or obligations with ALLEGED LENDER under the doctrine of ultra vires. By doctrine of ultra vires, a contract made by a corporation beyond the scope of its corporate powers is unlawful. XXXX believes there is no proof to the contrary. \n\n5. Alleged Lender failed to provide proof of FULL DISCLOSURE to all matters dealing with the above loan and said contract as required by law in the Truth-in-Lending Act pursuant to XXXX XXXX XXXX. Alleged Lender failed to provide me all documented information that I requested in the Qualified Written Request sent to the bank on XXXX XXXX, XXXX by RPOST Registered XXXX Mail XXXX. In addition, LEGAL NOTICE Registered XXXX Mail sent to Alleged Lender 's attorney/s Blank-Rome LLP XXXX of Law, XXXX and XXXX XXXX : Second Request for Proof of Claim Dated XXXX XXXX XXXX was sent to the bank by RPOST Registered XXXX Mail XXXX and received on XXXX XXXX, XXXX. Alleged Lender, failed to produce for my inspection upon demand as required by Uniform Commercial Code of the original ( Wet Signature ) documents including the Security Deed and the Promissory Note and allonge, as evidence that they are, in fact, the holder in due course of the purported obligation. Despite being given XXXX opportunities to provide proof of claim on this matter via certified mail, Alleged Lender can not and has not been able to provide presentment upon demand. XXXX alleges and believes that Alleged Lender is not the holder in due course, nor the real and beneficial party of interest for the above loan. \n\n7. ALLEGED LENDER failed to prove that they are the Note Holder in Due Course pursuant of U.C.C. - ARTICLE XXXX XXXX despite XXXX qualified written request 's demanding the Alleged Lender to stipulate and clarify this fact. No where on the loan documents or security deed was there mention of the word " holder ''? Therefore ALLEGED LENDER fully admits that they are not the holder in due course, nor a real party of interest in the above loan. \n\n8. If in fact ALLEGED LENDER has the authority to enforce the contract through servicing and assignment, they have provided no proof of such authority despite XXXX written requests via RPOST certified email. Therefore XXXX alleges and believes that ALLEGED LENDER does not have any authority to enforce the contract for the above loan.My Fair Debt Collection letter were quite frankly ignored .The rebuttal of Tila rescission letter was clearly denied and considered closed by XXXX XXXXLITIGATION SPECIALIST Bank of America .AlthoughTILA does not evidence a contrary Congressional intent XXXX it 's statute of limitations must be read to be subject to equitable tolling, particularly since the Act is to be construed liberally in favor of consumers. '' XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX XXXX XXXX ). \n\nThis response from a letter sent certified in XXXX is now a issue for the alleged pretender lender. and finally I/we made firm request for a viewing of wet ink note along with a Perfect Chain of Title insert from letter " Dear Sir, This letter dated XXXX XXXX, XXXX is to notify you, your firm and the mortgage company claiming ownership of this alleged loan and note, that I am exercising my rights under the " Fair Debt Collections Practices Act '' as codified at XXXX XXXX XXXX, which stipulates that a debt collector must, verify request \n Company chooses not to provide a public response Bank of America GA 302XX Servicemember Consent provided Web 03/25/2015 Closed with explanation Yes No 1294466
199144 03/27/2015 Debt collection Credit card False statements or representation Impersonated an attorney or official local collection attorney sued me using the original creditor 's name, XXXX, and listed himself as counsel, he had XXXX problem, could not and did not produce an assignment of the debt from the original creditor or proof that he had the right to act on behalf of the original creditor. Produced a false affidavit that was investigated and proven false and submitted statements that had the wrong account number and crossed out terms. He was able to get Judgement against me for XXXX. This is a violation of the FDCPA 807-10-14 and 812 ( a ), also constitutes Fraud upon the Courts. Company disputes the facts presented in the complaint Couch Conville & Blitt LLC LA 701XX Older American Consent provided Web 03/27/2015 Closed with explanation Yes Yes 1303928
199399 03/22/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Indicated committed crime not paying XXXX was hired by an apt complex that i had moved out of, with the rent fully paid, during this time they had mangement change, an they reported that i still lived there. i did n't i was living in XXXX.when i return i tried to rent an apt , to my suprize i had to pay this company off and i did, they said if i did n't was committing crime, an would go to jail.if i paid the money they would remove the debt and remove all trace of it from my credit records.i payed, they did nothing but cash the check.i have all there letters and phone calls.they then started to write bad remarks on my credit report. \n Company believes it acted appropriately as authorized by contract or law Hunter Warfield, Inc. CA 953XX Older American, Servicemember Consent provided Web 03/22/2015 Closed Yes No 1294873
199467 04/03/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Last year in XX/XX/XXXX, Enhanced Recovery company sent me a letter trying to collect on an XXXX debt. I have never used XXXX so I contacted them asking them to verify the debt was correct. They have never sent me anything. I called XXXX trying to find out anything, and they cant find my name anywhere in their systems. They sent me to the fraud department to investigate further, and nothing. I am no where in their computers. I asked XXXX if they could send me a letter stating that, and they told me they have nothing to send me since I have never been in their system. I wrote a letter then to the collection agency responding to this account, and they have never contacted me. I called them back and they know nothing about the letter and told me I need to pay my bills and questioning my character ( in not so nice words ) I am so frustrated to be in this catch 22, I heard you would help me! The story continues. Now the same company showed up on my credit report this morning. ( I am monitoring my credit now ) This time with a direct tv bill. I did have a direct tv account, but it was paid in full and the box was mailed back. Seems really convenient that this would come up now. I am almost in tears. I am trying to purchase a home and this has completely stopped me in my tracks. My loan officer says to dispute and have them deleted in order to qualify, and I have no where else to turn. How can they do this!!?? \n Company believes it acted appropriately as authorized by contract or law ERC CA 914XX Servicemember Consent provided Web 04/03/2015 Closed with non-monetary relief Yes No 1314660
199549 04/03/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I am writing this complaint in regards to FCO an debt collection company attempting to collect a debt from me. I have no proof or knowledge that I owe this debt. I moved out of XXXX House in XXXX of XX/XX/2013 and paid any remaining balance I owed. I believe this debt is unjust and inaccurate. \n Company chooses not to provide a public response FAIR COLLECTIONS & OUTSOURCING, INC. NY 112XX Servicemember Consent provided Web 04/03/2015 Closed with explanation Yes Yes 1314685
200790 04/03/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I served the country for 8 years XXXX During my XXXX tour I had an apartment at XXXX XXXX before I started my tour. My former wife and I had many problems with her spending and destroying my credit. Well before my tour we separated and I informed my apartment complex I will no longer be their and would like to take myself off the lease. While touring they sent information that I signed confirming I would not be held accountable. After my ex wife left the apartment while still touring, they reported an unpaid balance and extreme interior damage to the place. I should not be held accountable for her lack of professionalism, unpaid balance or damages. \n Company believes it acted appropriately as authorized by contract or law I.Q. Data International, Inc. GA 300XX Servicemember Consent provided Web 04/03/2015 Closed with explanation Yes No 1315104
201286 04/03/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received The representative stated I had no right to dispute : only that I had to pay a 7 year old {$84.00} bill \n Company believes it acted appropriately as authorized by contract or law ERC AL 352XX Older American Consent provided Web 04/03/2015 Closed with non-monetary relief Yes No 1315305
201977 03/23/2015 Debt collection Credit card Communication tactics Frequent or repeated calls Background : In XXXX of XX/XX/XXXX I began falling behind on payments to XXXX XXXX. A substantial balance had accumulated because of recent large unforeseen expenses - vehicle repairs which resulted from our truck being rear-ended. The insurance company unexpectedly denied claims for over XXXX in repairs. We met minimum payments in XXXX XXXX - {$3100.00}, XXXX XXXX - {$3100.00}, XXXX XXXX - {$2300.00}, XXXX XXXX - XXXX, XXXX. XXXX - {$1100.00} and XXXX. {$4300.00}. we were able to meet these obligations only by closing a small IRA and borrowing. The debt situation began to grow serious. The XXXX minimum payment was {$3100.00} and I was unable to pay it. We paid {$500.00}. There were multiple phone calls and conversations with XXXX XXXX. In XXXX I wrote to XXXX requesting that they grant a XXXX month grace period since I had been a customer for over 20 years and had just become eligible for Social Security Benefits ( and would therefore have additional income ). The XXXX SS benefit check would arrive the last week in XXXX and I promised substantial monthly payments from then until the balance was satisfied. I sent a payment of {$1000.00} on XXXX XXXX and, at the end of the XXXX cycle, XXXX XXXX closed the account and sent it to collection. \nPhone calls from a collection agency began XXXX XXXX, XXXX and repeated multiple times each day. They were all from " unavailable '' or " restricted '' numbers. My XXXX conversation with a representative at " XXXX '' was XXXX XXXX. I sent a letter ( certified return receipt ) requesting that they ceased calling me and send validation / documentation of the debt. I did not receive this documentation so I sent a XXXX request XXXX days later. A short while later ( XXXX XXXX ) I began receiving multiple phone calls from another collection agency, XXXX XXXX XXXX After numerous phone calls ( with a call center in XXXX ) and another letter requesting validation of the debt, I did finally receive the documentation on XXXX XXXX, XX/XX/XXXX. I then called XXXX and spoke with a representative called, XXXX. We hammered out a verbal agreement. \nA " settlement '' was not possible because of our limited financial resources. I needed to make payments. They wanted at least 10 % down. I wanted to put {$500.00} down. The end result was an agreement of {$890.00} down ( which XXXX stated he was able to achieve under " hardship " conditions ) and monthly payments of {$430.00} for 36 months. Except the agreement had to be in XXXX parts - 24 months was as long as they would go. We would need a XXXX agreement for 12 months for the remaining amount. There would be no additional interest on what I owed. I stated that I would send in my own payments and ( on legal advice ) not provide a bank account number and allow them to take automatic payments. I also wanted our agreement in writing before I would send in the XXXX payment. I requested information on the " clean slate '' offer XXXX was making. XXXX directed me to call the credit reporting number at XXXX XXXX since XXXX could not determine how XXXX would report this account. XXXX told me that a letter outlining what we discussed would be sent to me and I should call him when I received it. This was on XXXX XXXX, XXXX. I waited a week ( XXXX XXXX ) and emailed my mail service to forward mail. The packet arrived on XXXX XXXX but there was no letter from XXXX. \nI almost immediately began receiving collection calls from another XXXX #. When I returned the calls I had to start all over with a different office /division of XXXX. I reiterated the terms of the agreement that had been achieved. I dealt with XXXX people at this new office ( XXXX XXXX, then XXXX and finally the " supervisor '' XXXX XXXX. They stated that no letter would be sent until I gave them access to my bank account and they had taken the first payment. This was after ( cont. ) \n Company believes complaint represents an opportunity for improvement to better serve consumers Altisource Portfolio Solutions, S.Ã r.l. AK 995XX Older American Consent provided Web 03/23/2015 Closed with explanation Yes No 1295955
202159 03/27/2015 Debt collection Payday loan Taking/threatening an illegal action Threatened arrest/jail if do not pay I could no longer pay these enormous charges so I hired a company in FL to take over for me. Either they did nothing or the Pay Day loan company will not accept their terms. I get several letters a week and they have threatened to take civil action against me. I am over XXXX and I get a XXXX check. \n Company believes it acted appropriately as authorized by contract or law Cash Express, LLC TN 377XX Older American Consent provided Web 03/27/2015 Closed with explanation Yes No 1304531
202389 03/28/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I XXXX college in XX/XX/XXXX and left XXXX, XXXX to attend XXXX XXXX XXXX training in XXXX, XXXX. Five years later in XX/XX/XXXX, I received a letter from the National Credit Audit Corporation ( NCAC ) saying that I owed {$270.00} for damage that had occurred to the apartment that I was living in while in college. I took the letter to my legal department because it seemed weird that an agency would contact me almost five years later about a claim that had materialized out of thin air. My legal department advised me that it was probably a debt collector scam that they unfortunately see frequently with military members due to the frequent moves inherent with military life. Legal told me to respond asking for more information about the debt assuming that it would fall by the wayside. NCAC responded with an itemized list of maintenance charges ( from XXXX XXXX properties, the apartment complex that I had previously lived in ) that I had never seen before. The list was dated a full month before I had supposedly vacated the apartment and yet I was only seeing it for the XXXX time five years later. When I had vacated the apartment in XX/XX/XXXX, it had been under good standing with the rental company ; I understood that I would not be getting the full amount of my initial deposit back because it was standard practice to repaint the walls and have the carpets cleaned using the initial deposit. I again consulted my legal department who, after some research found that XXXX XXXX properties and therefore NCAC, were in violation of Title VI Chapter 83 section 83.49 paragraph 3 ( A ) of the XXXX Statutes which states " the landlord shall have 30 days to give the tenant written notice by certified mail to the tenant 's last known mailing address of his or her intention to impose a claim on the deposit and the reason for imposing the claim.If the landlord fails to give the required notice within the 30-day period, he or she forfeits the right to impose a claim upon the security deposit. '' XXXX XXXX properties failed to notify me within 30 days, much less via certified mail to my last known address, which was provided, and so in my opinion, the debt for damages ( that seem to have materialized when I was not around to contest them ) is not a valid claim. \n Company chooses not to provide a public response First Advantage LNS Inc. NC 284XX Servicemember Consent provided Web 03/28/2015 Closed with explanation No No 1305889
202432 03/28/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received I was not aware the debt had been sent to collections until it was reported on my credit report. When I contacted the collection agency they had a non-existent address. They had my correct phone number but never made any attempts to notify me of the debt prior to reporting from all credit reporting agencies. \n Company chooses not to provide a public response Southwest Credit Systems, L.P. CO 800XX Servicemember Consent provided Web 03/28/2015 Closed Yes No 1305899
203198 04/04/2015 Debt collection Medical False statements or representation Attempted to collect wrong amount OAC was contacted by XXXX Credit Reporting regarding a dispute I filed and indicated to XXXX that the debt was still active. OAC has placed a debt on my credit report in error and sent me a letter indicating their error. This debt was sent to OAC collections in error by XXXX XXXX XXXX. TransUnion will not remove this debt from my credit report because OAC provided the false statement that this debt is still active. I have attached the letter I received from OAC indicating their error and false statement indicating they have sent notification to the credit bureaus requesting they delete this item. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Oliver Adjustment Co. WI 532XX Servicemember Consent provided Web 04/04/2015 Closed with non-monetary relief Yes No 1316033
203482 04/05/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt Enhanced Recovery has put XXXX different collection accounts on my XXXX profile. All of the Debts show different amounts and have been re-aged which is illegal. I would like to have this removed from my credit file. According to the law reaging is illegal under Creditors, collection agencies, or credit bureaus, if they try and " Re-Age '' your account by updating the date of last activity on your credit report in the hopes of keeping negative information on your account longer. Consumer protection afforded by the FCRA FCRA Section 605 ( c ) {$1000.00}. \n\n\n\nOpen Date N/A N/A XXXX, XXXX {$0.00} {$0.00} $ XXXX Utilization Ratio 0 % 0 % 0 % Last Credit Bureau XXXX XXXX XXXX XXXX XXXX XXXX N/A N/A N/AThanks, \n Company believes it acted appropriately as authorized by contract or law ERC TX 786XX Servicemember Consent provided Web 04/05/2015 Closed with non-monetary relief Yes Yes 1316135
203581 04/06/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine FOCUS RECEIVABLES MANAGEMENT has been calling and harassing me about a bill owed to XXXX. \nI haved contacted XXXX XXXX and the company states they have no record of me evering having there service or owing a bill with there company. \nI have told Focus Receivables Management on numerous phone calls this information and have asked for proof from there company showing I owe this debt. \nNow this company are reporting a collection account with all three credit bureaus listed under my name, which is ruining my credit standing. \nI asked for them to delete this false information from my credit reports without any luck. \n Company believes it acted appropriately as authorized by contract or law Focus Holding Company NY 129XX Servicemember Consent provided Web 04/08/2015 Closed with explanation No No 1316648
203677 03/30/2015 Debt collection Credit card Disclosure verification of debt Right to dispute notice not received In XXXX, XXXX, I lost my job, and was still paying my credit card bill, until XXXX, XXXX, when I was just unable to pay my XXXX XXXX Bank credit card anymore. I have enclosed my last statement I paid in XXXX of XXXX. Please note the amount was {$4900.00}. Consequently, a judgement was filed against me in the summer of XXXX, for the amount of {$5900.00}. That amount difference was understandable and I planned to pay whenever I got a job. That did n't happen. Finally, in XXXX of XXXX I was able to get a job and pay on other garnishments, from XXXX XXXX XXXX XXXX XXXX. \nNow, I see that XXXX XXXX XXXX has filed to revive the judgement that XXXX XXXX had filed on behalf of XXXX XXXX, XXXX this time for the amount of {$9700.00}. I do feel that XXXX XXXX XXXX is doing this out of a vendetta they have towards me. I feel that the garnishment should not be revived because of XXXX reasons : XXXX XXXX XXXX XXXX XXXX bought this specifically because my name was on it, and XXXX ) the exorbitant amount that they want is just not owed. This feels like a personal attack from XXXX XXXX XXXX, because they did n't own this account, until now. They did not file the original judgement. \n Company believes it acted appropriately as authorized by contract or law Machol & Johannes, LLC CO 809XX Servicemember Consent provided Web 03/30/2015 Closed with explanation Yes No 1306485
203712 03/30/2015 Debt collection Credit card False statements or representation Attempted to collect wrong amount I was contacted by XXXX XXXX, Shapiro Law Offices, P.C. of XXXX XXXX XXXX, XXXX Pa XXXX on XXXX XXXX, 2014 regarding the payment of a past debt to XXXX XXXX. that was originally almost completely paid to XXXX, XXXX and XXXX XXXX XXXX of XXXX PA. I immediately contacted XXXX XXXX to indicate that I would be happy to resolve the remaining amount that had been contested and released from XXXX, XXXX and XXXX when he provided an accurate balance to be paid. XXXX XXXX was adamant that I owed the full balance. I asked him to contact the prior collector to ascertain the correct balance due. I was consequently served a subpoena from my local court. At that point I had no choice but to hire an Attorney myself. On at least XXXX additional occasions XXXX XXXX continued to purposely misrepresent the amount owed to my Attorney, prolonging my need for legal representation and subsequent fees. It was only after XXXX XXXX himself was served with interrogatories and compelled by legal requirements that he went and actually acquired the past payment history clearly indicating that I did not owe {$2200.00} as he had maintained up until that point in time. I accrued Attorney fees of {$920.00} since XXXX XXXX misrepresented what I actually owed on the debt, and continued the charade even after I sought legal representation. The debt was finally resolved, but I had to sacrifice almost an additional {$1000.00} due to XXXX XXXX 's false representation of the debt. I am seeking to be repaid for my Attorney fees by XXXX XXXX. \n Company chooses not to provide a public response SHAPIRO LAW OFFICE, PC PA 170XX Servicemember Consent provided Web 04/17/2015 Closed with explanation Yes No 1306679
204229 05/11/2015 Debt collection Payday loan Improper contact or sharing of info Contacted me after I asked not to They contacted me by email and telephone. I made payment arrangements to make a payment on XXXX/XXXX/2015. They are still sending threatening emails and called my employer and a family member. My family member just called me wondering if I was ok. They did this on XXXX/XXXX/2015 \n Company believes it acted appropriately as authorized by contract or law Express Cash Mart Management WI 537XX Servicemember Consent provided Web 05/12/2015 Closed with explanation Yes No 1369207
206221 04/06/2015 Student loan Non-federal student loan Dealing with my lender or servicer Trouble with how payments are handled I have been attempting to make payments to my private loans with Sallie Mae since XXXX/XXXX/XX/XX/XXXX and in each instance the payment I had submitted has been reversed, therefore incomplete. the total payment amounts have been amassing to ridiculous totals since no payments have been processed by Sallie Mae, and because of this, in XXXX XX/XX/XXXX I was forced into forbearance as this was the only solution they could offer me. Now, in XXXX XX/XX/XXXX I am STILL experiencing the same issue after many hours spent dealing with Sallie Mae customer service and reaching no solution. I do not wish to enter forbearance again, I simply wish to be able to make my payments in good faith as I have been trying to do so for quite some time. My interest continues to increase while Sallie Mae can not resolve the issue. Insufficient funds on the payment card is NOT the reason for this. I am a military wife living overseas with my husband and I can not afford to pay thousands of dollars towards my loans each month with building interest because Sallie Mae is unfit to handle and process my loans on time. \n Company disputes the facts presented in the complaint Sallie Mae AE 090XX Servicemember Consent provided Web 04/06/2015 Closed with explanation Yes No 1317146
206339 03/30/2015 Student loan Non-federal student loan Dealing with my lender or servicer Keep getting calls about my loan Iowa Student Loans, now Aspire, has consistently called us and our daughter regarding her outstanding loan from XXXX College. As was necessary, she obtained several loans over the period of four years. As her parents, we co-signed her loans. After college we made repeated attempts to consolidate her loans. The response was " not possible ''. The result was XXXX loans, each due on different time of the month, all accruing interest. We attempted to set up a regular schedule, and, new to the workforce, she did her best to meet the loan payments. We helped as we could to offset the payments. Since 2004, we have consistently received letters and harsh, demanding phonecalls, sometimes threatening, even though we know the amount was regularly late, but paid in accordance with her and our pay checks. Had we known a student loan from Iowa Student Loans, now Aspire would be so physiologically demanding, we would never have used them. Even the credit card companies have been willing to work with us on consolidating and paying off a card. We have attempted numerous times to talk with the Iowa Student Loans, now Aspire to consolidate and make it easier for our daughter, and now us, to repay the loans. They are unrelenting, offering no options and constantly sending letters and telephone calls. We know the loans are being paid, however, if they are off by only a few days, even due to holidays, the phone calls and cautionary letters arrive. We have come to simply tossing the letters and hanging up on the calls. There seems to be no solution outside of obtaining a high interest private loan to get them off our back. That is not fair to the intent of education. Something must be done. \n Company chooses not to provide a public response Iowa Student Loan IA 522XX Servicemember Consent provided Web 03/30/2015 Closed with explanation Yes No 1307399
206577 03/30/2015 Student loan Non-federal student loan Dealing with my lender or servicer Trouble with how payments are handled In XXXX of 2015, I set up a XXXX month forbearance with Genesis Lending in which they would deduct {$40.00} every month for XXXX months. I received a letter stating what was set up over phone and another statement stating that it was going to deduct on a particular date as I had set up in XXXX and the payment was deducted accordingly. My father, who is a co-signer on this loan received a letter dated XXXX XXXX, 2015 stating that this account is past due and payment was owed immediately. I called Genesis Lending and was told that my forbearance was processed incorrectly and that the last associate I spoke with was wrong in the terms of repayment that they offered me. But because this was their mistake, he offered to fix this for me and to put a new plan of forbearance in for processing that would be {$40.00} for 6 months, {$80.00} for the next 6 months and then {$160.00} for the following 6 months. When asked why I had not been advised as to this processing issue he stated that a representative had called me on XXXX XXXX, 2015 and was unable to leave a voice mail. I never received a call from Genesis Lending. When I asked why I had not been notified in writing he responded with " I do n't know ''. I got no answers, but just an offer to change my forbearance plan to something I did n't originally agree with. This company has not learned its lesson and is BAD business. \n\nI attended XXXX XXXX in XXXX, GA from XXXX \n Company believes complaint represents an opportunity for improvement to better serve consumers Genesis Lending NC 285XX Servicemember Consent provided Web 03/30/2015 Closed with explanation No No 1307496
206638 03/30/2015 Debt collection Credit card Communication tactics Frequent or repeated calls I have received several phone calls about a debt that I owe to Macy 's. \nThey call several, like XXXX or XXXX times a day. When I answer the phone sometimes they just hang up on me. I have been talking to them within the last 7 days and I asked them to not contact me anymore regarding this debt for at least 30 days. Because in the state of Ohio a debt collector can only contact you once every 30 days, when asked by a consumer. Within the last seven days I asked to not be contacted regarding this debt For at least 30 days. Today, XXXX XXXX, 2014 I have received at least XXXX phone calls, which XXXX of them I have answered and the other XXXX i missed. They are calling from phone number XXXX. Is there anything that I can do to stop the harassment? i have been notified about my bill and when it is due which is XXXX XXXX, 2014. I do n't really think that there is a need to call someone 4 times in XXXX day. The day is not over yet so I am sure that I will receive another phone call or XXXX by the XXXX deadline this evening. \n Company chooses not to provide a public response Citibank OH 452XX Servicemember Consent provided Web 03/30/2015 Closed with non-monetary relief Yes No 1307523
206747 04/06/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine This company calls our home XXXX times per day. The calls are rude, harassing and threatening! We have explained to them, we are XXXX citizens. We have no debt. We have no credits or anything. The only thing we pay each month is out electric, telephone, cable.We have called the number back, and asked for a manager. We spoke to a XXXX XXXX. She was extremely rude and nasty. \nThis is the company : Commonwealth Financial Systems , Inc . \nXXXX XXXX XXXX. \nXXXX XXXX, PA XXXX : XXXX : XXXX are XXXX citizens. We do not deserve to be treated with such harassment and disrespect. \nEmail : XXXXXXXXXXXX \n Company believes it acted appropriately as authorized by contract or law Commonwealth Financial Systems, Inc. OH 439XX Older American Consent provided Web 04/08/2015 Closed with explanation Yes No 1317390
207025 03/24/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received I pulled a credit report and noticed a collection account. It is an amount of 120 dollars. I reached out via certified mail in an attempt to verify debt and even settle since it was a small amount. First Credit Services will not answer me with any information about debt and unfortunately I can barely understand their customer service when speaking over the phone with them. \n\nBack in XX/XX/XXXX spoke numerous times to trainer XXXX. Informed me only XXXX could help me. So after numerous attempts in XX/XX/XXXX turned my key fob in to XXXX as I was unable to reach XXXX.I have been charged up until XX/XX/XXXX. Even XXXX called me to get my new card security info, XXXX numbers on back of card, which I never gave out but they worked around that as I never gave consent to debit my new credit card. \nEmailed XX/XX/XXXX via online " email my club '' link asking for membership and contract info identifying myself. That email wentunanswered. \n\nXX/XX/XXXX called XXXX spoke with XXXX who tried to call the XXXX branch but like usual no one was in. XXXX said she would call me back when she heard back but would not give me her extension or direct line to reach her. She never called me back. Several calls later all with no answers I had to cancel credit/debit cards and get new account. Since then it appear as if penalty fees have been assessed. \nThe cancellation letter and the amount to collect do not even match. \n Company believes it acted appropriately as authorized by contract or law First Credit Services Inc. NY 140XX Servicemember Consent provided Web 03/24/2015 Closed with explanation Yes No 1299540
207118 04/06/2015 Debt collection Auto Cont'd attempts collect debt not owed Debt resulted from identity theft i do not recognize this information this is a fraudulent account that needs to be removed asap as it was opened as a result of identity theft \n Company chooses not to provide a public response Pentagon FCU NC 282XX Servicemember Consent provided Web 04/06/2015 Closed with explanation Yes No 1316378
207382 03/31/2015 Debt collection Auto Communication tactics Called after sent written cease of comm They have repossessed our car and auctioned it off. We get many calls a day. They were sent a notice and still keep calling. Each time we talk they say they will keep calling till we pay. I am XXXX and on XXXX. We do not have enough to pay our regular bills. \n Company believes it acted appropriately as authorized by contract or law Westlake Services, LLC VA 230XX Servicemember Consent provided Web 03/31/2015 Closed with explanation Yes No 1308257
207464 03/31/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine On XXXX XXXX I received a letter from a debt collection agency, RSI Enterprises XXXX Inc., located at XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, VA XXXX about a supposed debt owed to the XXXX. I do not owe any debt to the XXXX government and had never before received any information that any type of debt was owed. I have never been a resident of XXXX and only lived in XXXX while assigned to the XXXX in Virginia as a military member ( my state of residence was not XXXX and has never been XXXX ). I also do not own any real estate in XXXX. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company RSI Enterprises, Inc. VA 222XX Servicemember Consent provided Web 03/31/2015 Closed with explanation Yes Yes 1308302
207697 04/06/2015 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect Received a loan from CashCall. Was given a {$1500.00} loan and now the interest rate is 129 %. CashCall is trying to collect an additional {$4100.00}. This company 's policies are horrible and they are taking advantage of people during difficult times. The distress that I have been under since dealing with this company has been unimaginable. I do not know how this can be legally allowed. Please help. \n Company believes it acted appropriately as authorized by contract or law CashCall, Inc. NJ 082XX Servicemember Consent provided Web 04/08/2015 Closed with explanation Yes Yes 1317879
207741 04/06/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt Regarding a letter dated XXXX XXXX, 2015 with the notation of C & W account # XXXX. Because I do not believe I owe what you say I owe I am requesting complete validation of this alleged debt as noted on the collection notice with account number XXXX. Furthermore, this is the first I have heard from you or anyone regarding this alleged matter. Therefore in accordance with the Fair Debt Collection Practices Act, I require all documentation regarding this alleged debt. Including all documents showing an agreement to pay, how interest was calculated, documents bearing my signature, an accounting of payments made, and proof that I have a obligation to pay XXXX XXXX XXXX. If this debt was purchased, I require full documentation of the purchase of this alleged debt. \n Company believes it acted appropriately as authorized by contract or law Caine & Weiner Co. Inc. CA 950XX Older American Consent provided Web 04/06/2015 Closed with explanation Yes No 1317908
207794 04/13/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Called outside of 8am-9pm I got my XXXX call around XXXX XXXX. I was up so answered it. I told the lady she had the wrong person. Now every weekday, I receive a call anywhere from XXXX. to XXXX. I have had at least XXXX of them. I have not received any written mail from this company. When I try to call back I am asked to give a case number that I do n't have, and then can not get to talk to anyone. \n Company chooses not to provide a public response Credit Protection Association, L.P. OR 974XX Older American Consent provided Web 04/13/2015 Closed with non-monetary relief Yes No 1327256
207929 04/06/2015 Debt collection Auto Improper contact or sharing of info Contacted employer after asked not to XX/XX/XXXX I had a XXXX XXXX XXXX that was totaled in a head on collision that almost cost me my life. I had full coverage insurance I was under the impression that it was fully covered, it has been almost 19 years and my wages have begun getting garnished at 25 % a pay period it comes out to aproximatly {$600.00} a month, it has put me in sever finacial hardship as I am a newly single mother currently going through a divorce. The debt is registered in the state of XXXX and I have lived in XXXX for the past 8 years. I was unaware that I owed the debt, but apparently there was a judgement against me. I received a notice 2 days before my pay date of when my wages were to be garnished I had no time to fight it and before I knew it I was unable to pay all my bills. The agency ( Nelson & Kennard Attorney at Law in XXXX, XXXX ) I delt with constantly passed me off to a new person over and over and treated me as though I personally defiled them and I was XXXX of the earth and gave me several wrong numbers of whom I was supposed to speak with that lead me no where. The accured interest is double the amount of the debt. \n Company believes it acted appropriately as authorized by contract or law NELSON AND KENNARD ID 838XX Servicemember Consent provided Web 04/09/2015 Closed with explanation Yes No 1317975
208122 03/24/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine I received phone calls from ACS collection agency around XXXX of XXXX regarding a medical debt that did not belong to me back from XXXX of XXXX. I tried to explain the situation at the time and was threatened with legal action. I called the hospital the charge was from and spoke with billing where it was discovered I had the same name as the individual whom the charge belonged but different birthdays and social security numbers. As well as the fact I have never been to that facility and was in XXXX when the charge occurred. I was assured the situation was resolved and I never heard from the collection agency or medical facility again. On XXXX XXXX, XXXX I discovered on my credit report a medical charge filed by ACS Collection agency for the same medical expense that was supposed to have been resolved when I called them in XXXX of XXXX. The charged was filed with the credit reporting company on XXXX XXXX, XXXX. This charge does not belong to me and I was told the issue was resolved. \n Company can't verify or dispute the facts in the complaint The Affiliated Group, Inc MD 207XX Servicemember Consent provided Web 03/24/2015 Closed with explanation Yes No 1298684
208441 04/07/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt was paid This is Part XXXX of case number XXXX.SunTrust has cancelled the subordinate DOT on XXXX XXXX XXXX, thanks to you all. However, they sold my property at XXXX. They keep on passing it around amongst themselves. I am sending copies of the original deed to prove that the land was never financed or signed off to anyone by me and that it was given to me by my mother. The loan ( {$38000.00} ) that SunTrust alleged that I borrowed never happened. I tried to tell them that during their merger with XXXX some papers got mixed up. Thank God that its been almost 15 yrs and I am still holding on. The letter that SunTrust wrote dated XXXX XXXX, XXXX is fabricated. On XXXX XXXX, XXXX we did n't have a primary residence and the {$37000.00} was part of the original construction loan of {$140000.00}. I 've never been a landlord nor have I ever owned rental property. The {$37000.00} was paid off whenever XXXX XXXX took over the construction loan. I sent you a copy of the Cancelled DOT in my XXXX complaint. How could they refinance something that was paid off? Where did the commercial loan come from. I 'm sending you a copy of the original deed. It 's all residential and never been listed as commercial land. XXXX buyers of the land were fooled by SunTrust and bought the land but got a full refund. It 's just a little under an acre ( XXXX acres XXXX but it was my mom 's and she passed it on to me to have to keep her financially secure if I needed to. My mom passed XXXX XXXX, XXXX. I would n't sell that land for anything. SunTrust kept threatening me over and over again about signing a new note. The note that I signed in person were in the amount of {$37000.00} and I never seen this XXXX for the {$38000.00} until later. I told the Bank that I never signed a note stating that I borrowed that money for rental or renovation properties. This has been a nightmare ever since those banks merged. I never had a proper closing, my attorney died, my builder had to move on to another job out of town, the company that sold the house filed Chapter XXXX and we had to apply to XXXX County for a Certificate Of Occupancy to move in our new home. We were homeless and nobody seemed to care. I did n't know about real-estate loan but I do now. I hope that everyone can understand that this was XXXX big mistake. I only signed for the {$37000.00} loan. Everything I have said it the truth. I have repeated this over and over. Please have SunTrust to give me back my mom 's keepsake and our monies back. We are in the process of refinancing our mortgage loan to a fixed rate now because the subordinate loan was removed. Again, thanks a XXXX times for listening to me. I have more papers if you need them. I have been collecting them over the years. I am sending a list of the checks I 've paid to SunTrust over the years. I had to stop paying them so that I could get some help or at least get someone to respond to me. It has cost me hard ache, pain and financial hardship but I got to someone who will hear my plea. Again, thank you all very much for everything that 's been done so far. \n Company chooses not to provide a public response SunTrust Banks, Inc. NC 275XX Older American Consent provided Web 04/07/2015 Closed with explanation Yes Yes 1320372
208735 04/13/2015 Debt collection Auto Communication tactics Used obscene/profane/abusive language My daughter recently filed for bankruptcy and her car was included in that filing. She no longer wants or can afford the car so I decided that I would try to reach a settlement agreement with the lender Consumer Portfolio Services ( CPS ). We went back and forth a few times until we verbally agreed on a fair price. I acquired the monies needed then contacted CPS asking for a written settlement agreement, especially after researching the company a bit and finding out about their shady practices. I was told that they dont give written agreements because everything is noted on the account in their computer system. I had my daughter long into her account the notes they speak of is not visable to us. I called again to say that I 'm not comfortable sending that kind of money with nothing in writing. I 'm sure that CPS would not loan or give me money without a written and signed loan agreement. Their response was " we do n't do that, just send the money and we will release the title ''. This would somewhat explain their recent Civil Judgement with the FTC. \n Company can't verify or dispute the facts in the complaint Consumer Portfolio Services OH 441XX Servicemember Consent provided Web 04/15/2015 Closed with explanation Yes Yes 1327762
208795 04/13/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I keep getting calls on my cell phone from this debt collector. I do not have any debts outstanding now or from the past I have been receiving calls from a XXXX for over 5 months. I have the number blocked and they keep calling my cell phone. I have researched these XXXX and it appears to be a company called First National Collections Bureau. These XXXX are relentless from what I have read on the internet, it appears that the government has done little to nothing to stop these XXXX. I bet if these XXXX started to call the FTC or some other government agency something would be done to shut them down. So for now all I can do is be another complaint about a company that needs to spend some jail time and not a fine or slap on the wrist for harassment. Thanks XXXX from Oklahoma. \n Company can't verify or dispute the facts in the complaint First National Collection Bureau, Inc. OK 735XX Older American, Servicemember Consent provided Web 04/16/2015 Closed with explanation Yes No 1327797
208838 03/31/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine The firm, Luster Glaser and Wilson, PC Located at XXXX, MA.XXXX receive repeated phone calls from this agency, ( Up to XXXX times in one day ) concerning a XXXX XXXX. I have told them, that no one lives here by that name. Yet, they continue to call. \n Company believes it acted appropriately as authorized by contract or law Lustig, Glaser & Wilson, P.C. MA 021XX Older American Consent provided Web 04/14/2015 Closed with explanation Yes No 1308943
208842 03/31/2015 Debt collection Other (i.e. phone, health club, etc.) Taking/threatening an illegal action Sued w/o proper notification of suit I was XXXX in XXXX 2009. At that time, I was receiving XXXX for my XXXX. While XXXX at the XXXX, I spoke to a VA Representative who assisted me in stopping these payments while I was on XXXX. I filled out the paperwork with her, and we scanned it into the VA. I went directly to XXXX from XXXX XXXX. While XXXX, unbeknownst to me, I was still receiving payments. When the " stop payment '' paperwork finally caught up to the VA, payment was halted ; however, I had incurred a debt. Upon my return to the states and upon filing income tax returns, I discovered this debt. I contacted the VA, who informed me they had sent it to their XXXX XXXX XXXX. I fully paid the debt, satisfying the case against me. This past year, I have been attempting to clean up my credit report. I contacted the VA and asked them to remove this negative remark on my credit reports, especially since I was XXXX, unaware I had a debt, had tried successfully to stop payment, and paid the debt in full as soon as I became aware of it. I was informed they would not remove it. I would like it cleared off of all XXXX ( XXXX ) of my credit reports. I am still XXXX and hope to purchase my XXXX home soon. Any help would be greatly appreciated. Thank you! \n Company disputes the facts presented in the complaint Linebarger Goggan Blair & Sampson, LLP OH 450XX Servicemember Consent provided Web 03/31/2015 Closed Yes No 1308945
208928 04/07/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid I was involved in an accident in XX/XX/XXXX where I was hit by a car while riding my bicycle. The driver was at fault as they t-boned me while they were turning onto a side road and I was traveling in the bike lane. This debt is regarding a bill from the XXXX Fire Department which provided me with an ambulance ride to the hospital. \n\nI had attorney representation immediately following the accident which informed me to provide them with any bills I received. I did so, and the bills from XXXX was part of that stack of medical bills I provided. XXXX was paid by my attorney 's office once the lawsuit was settled out of court. While this collection shows that it was paid in full, this should not be on my credit report. None of the other healthcare providers ( which also had to await payment ) placed anything on my credit reports. \n\nAt no time was this an attempt not to pay, nor does it accurately portray my credit worthiness. \n\nI attempted to contact XXXX XXXX and XXXX in XX/XX/XXXX. The person who answered the phone stated that there was no one available to take my call. I asked that someone call me back and she took my information. She stated she would pass it along, however, they were not obligated to remove this from my credit report as it was a valid debt and it did n't matter that it was paid. All they had to do was mark as paid and they had done so. \n\nI never received a contact back from their offices. I just want this removed from my credit. It is not a fair reporting of my credit worthiness and is unfairly inhibiting me from gaining the credit required to move forward with reasonable home and auto loans. \n\nPlease help. \n\nThank you for your consideration of this situation. \n Company believes it acted appropriately as authorized by contract or law Robinson, Reagan and Young PLLC TN 372XX Servicemember Consent provided Web 04/09/2015 Closed with explanation Yes Yes 1318998
209161 04/13/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid Refused to agree in writing that account would not be reported on credit report if paid in full by the XXXX. Paid in full by the XXXX and per the recorded conversation with XXXX and her supervisor. The account was reported on my account in direct violation of our agreement. \n Company believes it acted appropriately as authorized by contract or law Kimball, Tirey & St. John LLP CA 920XX Servicemember Consent provided Web 04/13/2015 Closed with explanation Yes No 1326836
209473 04/14/2015 Debt collection I do not know Taking/threatening an illegal action Sued w/o proper notification of suit Someone named XXXX XXXX, phone number XXXX called my cell phone on XXXX different occasions and left voice mails stating he was calling for " verification request for a valid address and name of employer to process a claim against me with the Attorney General for claim number XXXX. '' He also stated I needed to call XXXX to resolve this issue ''. \n Company believes the complaint is the result of a misunderstanding Consolidated Management Group, LLC TX 750XX Servicemember Consent provided Web 04/14/2015 Closed with explanation Yes Yes 1329363
209603 04/14/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I paid the account in full. XXXX. I have a copy of the letter and the check that XXXX send to me for overpaying the bill. I have sent the letter to each credit bureau. They are disregarding the letter and check that was sent to me by XXXX. \n Company believes it acted appropriately as authorized by contract or law First National Collection Bureau, Inc. FL 325XX Servicemember Consent provided Web 04/14/2015 Closed with explanation Yes No 1330133
209619 03/25/2015 Debt collection Credit card Disclosure verification of debt Not given enough info to verify debt The debt was on XXXX separate accounts with Citi Bank and have not had payment activity since 2006. XXXX XXXX evidently purchased from Citi Bank and is reporting to the XXXX Credit Bureau 's. I tried to settle and ask for verification from XXXX XXXX but they have not replied the last correspondence was over a year ago. \nI believe the debt is beyond the statue of limitations for collection and reporting to Credit Bueraus. \nI do not thave he complete account numbers on the accounts. Only the first numbers. # 1 acct : XXXX. # 2 acct : XXXX as shown on the credit report. Credit Buerau indicates accounts being disputed by consumer. \n Company chooses not to provide a public response Citibank FL 341XX Older American, Servicemember Consent provided Web 04/01/2015 Closed with explanation Yes Yes 1301429
209714 03/25/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Frequent or repeated calls I have talked with this company XXXX and asked them to contact me in XXXX and i will make arrangements. They are constantly calling my work phone. I dont know, how they got this number, but i 've asked them not to call it. They want me to pay {$480.00} for a carpent replacement, when all the carpet needed was cleaning. The collections agency is constantly flagging my credit report every month. \n Company believes it acted appropriately as authorized by contract or law Southwest Credit Systems, L.P. VA 220XX Servicemember Consent provided Web 03/25/2015 Closed Yes No 1300103
209863 04/07/2015 Debt collection Federal student loan False statements or representation Attempted to collect wrong amount My Social Security payments are being garnished. The amounts reported by the collection agencies are different than the amounts on the credit report. \n Company disputes the facts presented in the complaint National Enterprise Systems, Inc. VT 058XX Servicemember Consent provided Web 04/09/2015 Closed with explanation Yes No 1319434
209982 03/25/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine XXXX in my book is a thief & scammer, th eworst Customer Service when custmers really are at there Mercy! \n\nI refuse to pay any more money to them. \n\nXXXX XXXX XXXX \n Company believes it acted appropriately as authorized by contract or law Diversified Consultants, Inc. IL 600XX Older American Consent provided Web 03/25/2015 Closed with explanation Yes No 1299608
210452 03/25/2015 Student loan Non-federal student loan Dealing with my lender or servicer Trouble with how payments are handled Request for Credit Reversal and DisputeMy name is__ and I am a United States XXXX XXXX XXXX XXXX Veteran who is appalled at the treatment that I have been receiving from Sallie Mae , Inc . I 've served my country honorably as an officer for 21 years and never thought that my financial future would be scarred by a student loan company. My XXXX credit has been damaged due to errors and misinformation given by Sallie Mae loan representatives. As the cosigner on my niece 's student loans, I am requesting a credit reversal of the derogatory information that have stained my credit reports. I 've also discovered that there are thousands of online customer complaints documenting the same errors, inefficiencies and misinformation made by Sallie Mae employees. \nOn XXXX XXXX, 2015, I spoke to XXXX ( Sallie Mae representative ) regarding loan __. I told him that my niece and her family were undergoing economic hardship and that my retired status, along with the care of my Mom placed me in a difficult position in terms of repayment of the loans. XXXX mentioned a forbearance option. I stated to him that my niece and her father had been granted the maximum in forbearances stated by Sallie Mae. He then stated that since the family was still undergoing economic hardship that he would appeal to management for another forbearance, provided that I would pay a {$50.00} fee and give him a financial statement over the phone. I asked if deferment was an option, and he said no because my niece was not in school. I gave him the information, paid the {$50.00} fee, XXXX assured me again that he would do everything he could to get a favorable answer from management regarding the forbearance request and to keep my credit from being negatively affected at XXXX. He said if he was n't able to do it, I would receive a call. I never received any follow up calls stating that the forbearance was not approved. \nOn the XXXX of XXXX, I called Sallie Mae 's military division to inquire about additional programs for veterans and it was there that I was told that the forbearance that XXXX had processed was denied and the derogatory information was reported to the credit bureaus. The representative said that XXXX should have told me that it was not likely that another forbearance would be granted because of the XXXX opportunities had been exhausted. I also discovered that with the approved forbearance in the past, that Sallie Mae never went back to re-adjust the days past due and those were also on my credit reports. I paid the {$50.00} in good faith and was misinformed and disregarded. \nOn XXXX XXXX, 2015, my niece and her father called and spoke with XXXX ( Sallie Mae representative ) to request a forbearance for loan__. XXXX took their financial information and said that he would push for a 60-day forbearance, however he could n't guarantee it but would work hard to get it approved. They called back after not hearing from Sallie Mae on that day and was told by a Sallie Mae assistant that nothing was done yet. They were then transferred back to the forbearance department and XXXX took the call and said that everything had been take care of and that someone would call. When the payments were late, I received numerous calls throughout the day. Each time I called Sallie Mae and was told that a follow up call would be made, no one called me, regarding a status update. \nDuring the early part of XXXX, I spoke with XXXX ( Sallie Mae representative ) and was given information that was reported after the previous forbearance had been approved. My niece and father were told by XXXX that with each and every forbearance, that it should have been only XXXX 30-day late reported. Sallie Mae dropped the ball several times and we were penalized for the misinformation and faulty loan servicing The derogatory late payment information damaged my credit-a credit reversal is requested. \n Company believes complaint is the result of an isolated error Sallie Mae NC 282XX Servicemember Consent provided Web 03/25/2015 Closed with non-monetary relief Yes No 1300677
210647 05/04/2015 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Talked to a third party about my debt On XXXX/XXXX/15 I walked into XXXX and asked to be disconnected at the same time I paid XXXX ( {$70.00} ) the bill I owed and asked to be billed the balance. Until today, XXXX/XXXX/15 I have not had XXXX attempt to contact me from the XXXX. Today I received a COLLECTION NOTICE asking for payment on behalf of XXXX. I called XXXX to verify that they had all my personal information correct and still active, which they did. They could have emailed me, send me a bill by post, call me on the telephone or even text me on the phone! The " supervisor '' that I spoke with had no reasonable explanation for this outrageous conduct and ( I believe ) attempt to purposefully affect my credit. \n Company chooses not to provide a public response Credit Protection Association, L.P. CA 933XX Older American Consent provided Web 05/04/2015 Closed with non-monetary relief Yes No 1359844
210666 04/07/2015 Debt collection Medical Disclosure verification of debt Not given enough info to verify debt I have been monitoring my credit carefully for the last 6 months. I am applying for a home loan. I was notified today that Progressive Management XXXX is now reporting a new collection account for a medical bill. I have been at my address for over 2 years and I have not received a single notice or call from Progressive to validate this debt accrding to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). They have made no attempt to obey the law. I have faxed them a request to validate the debt and a copy of their HIPPA compliant agreement with the creditor. I have not had any medical bills that would fall under this category so I believe they are simply re-aging this account. \n Company believes it acted appropriately as authorized by contract or law R.M. Galicia, Inc. CA 923XX Servicemember Consent provided Web 04/14/2015 Closed with non-monetary relief Yes No 1318389
210695 04/27/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I am receiving letters from credit collection services for XXXX bill that I do not owe, I have never had any accounts with XXXX, \n Company disputes the facts presented in the complaint CCS Financial Services, Inc. NY 107XX Older American, Servicemember Consent provided Web 04/27/2015 Closed with explanation Yes No 1349111
210705 04/27/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine This is regarding the house we rent in XXXX. The XXXX XXXX XXXX is continued to collect money from us stating we owe them money. We moved out the house on XXXX XXXX, 2014 to moved to XXXX. I let the XXXX XXXX XXXX know that we will be leaving on XXXX XXXX, 2014. We let them know, that my brother is going to give them the key for the house and they said, it will not be a problem. My brother had asked him to go with him to to check and inspect the house with him but refuse to do it with my brother. \n\nThe HP Sears Agency is collecting money from us stating we owe {$1000.00}. The house was in a good condition when we left, but they stating there 's some repair that they did in the house and plus the shampoo and cleaning. We had a deposit for {$1200.00} in that house that they never return to us. \n\nNow, the XXXX XXXX XXXX had pass bill to the HPSears collection and asking us to pay for this bill. \n\nI am writing to dispute this bill and we know they have intended to ruin our credit. I do n't know what steps I need to do in order to stop this collection. \n Company believes it acted appropriately as authorized by contract or law Herbert P. Sears Co., Inc. WA 982XX Servicemember Consent provided Web 04/27/2015 Closed with explanation Yes Yes 1349115
210865 03/25/2015 Debt collection Credit card Communication tactics Called after sent written cease of comm After first communication from XXXX for {$13.00}, called as they suggested if I could n't afford to pay. When I called they said very quickly " I did n't qualify and had to pay ''. After that received DAILY letters threatening me with reporting to credit agencies. Wrote them numerous times stating I was XXXX years old, am judgment proof ( last letter certified and I have receipt ), yet letters and phone calls continued unabated. Hospital takes blood and I do not know where it goes. I have no say in the matter. They continuously threaten to discontinue services. As if it could get no worse, they have now handed it over to a debt collection service ( American Medical Collection Agency ) who began with their threatening letters in addition to XXXX. They are making me sicker than I am by their continuing harrassment. I do not answer my phone and have missed important calls in connection with my health. They know full well my age and health. The phone and mail is driving me crazy. Please make them stop or let me know what action I can take against this unscrupulous operator who has spent more on calls and postage than the money they claim I owe. Paperwork can be furnished on request. PLEASE HELP!!! \n Company believes it acted appropriately as authorized by contract or law Retrieval-Masters Creditors Bureau, Inc. NY 100XX Older American Consent provided Web 03/31/2015 Closed with explanation No No 1300836
211220 04/07/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Indicated committed crime not paying Employees of the company disregard their own given arrangements and lack professionalism. I have a debt from previous apartment complex. It was among me and a roommate but billing just in my name. I was placed on a payment program starting in XXXX and gave what I could being {$100.00} the XXXX and XXXX of the month. The arrangement has expired and was advised to call back to setup arrangements on left over balance when capable. Well now I 'm dealing with XXXX hostile and very condescending associates with the company a XXXX XXXX ( manager ) ext XXXX and XXXX XXXX ext XXXX ( acct agent ). Simple questions about my debt and actions can lead to uf not paid in full today get a " why '', " what do you think '' or it " does n't matter " when its my billing that I 'm concerned about, why do I not get proper answers. They have placed me extended holds hoping I would disconnect the call and when returning to line would just ask for payment in full. They said the arrangement should never been given and that they will not accept payments if not for full amount by the XXXX of XXXX ( today being the XXXX of XXXX ) Their collection practices are FDCPA violation as they are very harassing and not willing to let me make discuss the bill without threats and open ended questions. They ended call by saying they will say I 'm disputing my balance with credit bureau when in fact I never told them to or dispute what I owe. My payment arrangement was setup by agent at XXXX ext XXXX. Originally she wanted {$740.00} but allowed me to make the lesser {$200.00} a month payment to where the balance left is {$1000.00}. I got a letter end of Match saying I defaulted on payment which lead to me calling in due to I satisfied the original plan and waiting for financial change to make another. \n Company believes it acted appropriately as authorized by contract or law RS Clark and Associates, Inc. TX 752XX Servicemember Consent provided Web 04/07/2015 Closed with explanation No No 1320086
211287 04/21/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine An apartment complex is attempting to collect alleged damages from me without providing any evidence that said damages occurred. Six months after I moved out of the complex ( lease payments made in full and on time ) I receive a collection notice. When I sent the collection agency a letter requesting information under the FCRA, I did not receive a response. As neither the original creditor ( XXXX ) nor the collection agency ( Credit Bureau Services ) has provided sufficient evidence that any damages to the unit were incurred ( before/after photos, work orders for repairs, invoices, etc ), the attempt to collect against me is clearly a predatory practice directed toward young college students whose parents will likely " cut a check ''. When pressed for documentation, the original creditor stated that the documents were " lost ''. \n Company believes it acted appropriately as authorized by contract or law JDJ Investments, INC. LA 708XX Servicemember Consent provided Web 04/23/2015 Closed with explanation Yes Yes 1339491
211289 03/25/2015 Debt collection Credit card Communication tactics Called after sent written cease of comm My XXXX year old daughter has a credit card debt that went to collections. This debt collection agency contacted her. She gave them permission to work with me on this. They called me and I told them to email me a proposal, and almost immediately after they emailed it they began calling me again. I emailed them to stop the phone calls to my daughter, me or any of her friends or relatives and that we could continue to work together in writing. I also asked that they validate the debt. They pressed to have payment of over {$1200.00} by the end of the month, which at the time was 12 days. I told them that was not possible and I needed a more reasonable payment plan. He sent me back something that had payments totaling over {$2500.00} at {$210.00} a month, with XXXX payments in XXXX. I countered that he had XXXX payments in XXXX, and I offered to pay XXXX even payments of {$320.00}. He said that he only got approval for the settlement if I paid it by the end of the month. I told him that may be but it was his issue that he went to his client with a proposal that I never agreed to. I said I suggest you take this to your client.. He said he would. This was yesterday, XXXX XXXX. I have not heard anything back from him. Today, XXXX XXXX, I get a phone call from XXXX XXXX with their company saying she wanted to get a final on this. I said you are not supposed to call me, and I am very busy. She proceeded to talk over me while I was asking her to validate the debt for me, she told me she would not call me again, and since she was talking over me, I could n't understand what all she was saying, but she said something about I 'll tell you what I 'm gon na do, and then I did n't hear anymore because I was asking her to validate the debt. I want them to validate this so that I can make a reasonable offer. I will pay what my daughter charged and a reasonable amount of interest. I need to see the statement so I can offer a fair settlement. They are unwilling to do this. \n Company chooses not to provide a public response Barclays PLC GA 300XX Servicemember Consent provided Web 03/25/2015 Closed with explanation Yes No 1300984
211311 04/28/2015 Debt collection Medical False statements or representation Attempted to collect wrong amount Says medical services were rendered in XX/XX/XXXX, however they were rendered in XX/XX/XXXX. This debt is over 7 years old. I was in military XXXX at the time they claim service was rendered. They have XXXX reported as {$82.00} and also {$180.00} \n Company believes the complaint is the result of a misunderstanding Financial Credit Network Inc CA 900XX Servicemember Consent provided Web 04/28/2015 Closed with explanation Yes Yes 1351396
211391 04/21/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid I owed money to XXXX XXXX XXXX and paid it in XXXX 2015. Now I am getting letters from AARGON Collection Agency, XXXX months after I paid, that I owe this debt collector. I have the cancelled check showing payment. \n Company can't verify or dispute the facts in the complaint Aargon Agency, Inc. TX 762XX Servicemember Consent provided Web 04/21/2015 Closed No No 1339525
211434 04/28/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid Debt was paid & account closed via XXXX. \n Company believes it acted appropriately as authorized by contract or law Stellar Recovery Inc. OR 974XX Servicemember Consent provided Web 04/28/2015 Closed with explanation Yes No 1349972
211442 04/14/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid On XX/XX/XXXX I suffered a XXXX. it was so severe that I past out. My wife called the City of XXXX XXXX Fire Dept and, still XXXX I was transfered to XXXX XXXX City Hospital. The amulance Services charged my insurance, XXXX primary and XXXX XXXX, secondary the amoun t of {$1400.00}. For unexplained reasons XXXX denied payment. XXXX XXXX paid {$1000.00}. I was never billed for the remaining balance till last XXXX XXXX when I received a letter from Harris & Harris, a collection agency, charging me {$500.00}. On XXXX XXXX I contacted City of XXXX ambulance services. They accepted that they had not billed me at my right address and a lady by the name XXXX assured me that her office " would pull out '' the charges from Harris & Harris and would check the status of my account since my secondary had already paid most of the charges and more than 2 years had already past. However, I am still receiving calls from Harris & Harris, even on Sunday mornings, when they call me at around XXXX Pacific time. They have called me at night, well after XXXX playing a recorded message demanding payment of the debt. On XX/XX/XXXX I called Harris and spoke with a gentleman named XXXX who apologized for the inconvenience and, again, assured m that they will withdraw the charges since his records showed that XXXX XXXX had paid a portion a XXXX, according to him, had made a payment on the account. Still, I keep on receiving the pre-recorded messages. On XXXX XXXX at XXXX I received yet another call despite all the promises of pulling out those charges for which the XXXX Ambulances Services has already been paid for. \n Company believes it acted appropriately as authorized by contract or law Harris & Harris, Ltd. CA 910XX Older American Consent provided Web 04/14/2015 Closed with explanation Yes No 1329208
211702 04/08/2015 Debt collection Medical False statements or representation Attempted to collect wrong amount This debt company under the name First Point, they are trying to collect from me the amount of {$75.00} from the XXXX XXXX XXXX with the Patient account number XXXX. \n\nThis was paid in a full total amount of {$210.00} as a co-payment with the check number XXXX and not a down payment before the admission for the XXXX and the insurance medical company covered the rest, There was no extra balance pending to pay. \n\nPaid in an Full Amount. \n Company chooses not to provide a public response FirstPoint Collection Resources FL 346XX Servicemember Consent provided Web 04/08/2015 Closed with explanation Yes Yes 1320486
211836 04/08/2015 Debt collection Credit card False statements or representation Indicated committed crime not paying After contacting Citibank, when XXXX XXXX XXXX would n't allow me to make payment arrangements, they contacted me and told me to contact them. Citibank gave me XXXX wrong contact number. Citibank gave me the following number XXXX, which is the XXXX XXXX service desk. I XXXX number XXXX, called them XXXX, and was forwarded to a machine to leave my name and contact number. I did that, the first contact was XX/XX/2015, the last contact being XX/XX/2015, and no one has returned both calls. \n Company chooses not to provide a public response Citibank NY 138XX Servicemember Consent provided Web 04/08/2015 Closed with explanation Yes No 1320459
212351 04/01/2015 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect I was told my loan would be be about XXXX month they took out XXXX this month they are taking XXXX out of bank I live on widows pension this is very hard on me \n Company disputes the facts presented in the complaint Enova International, Inc. MD 212XX Older American Consent provided Web 04/01/2015 Closed with explanation Yes No 1310492
212365 05/05/2015 Debt collection I do not know False statements or representation Impersonated an attorney or official I received a letter yesterday XXXX/XXXX/15 for a debt I do not owe from. this company named Performant Recovery Inc. XXXX XXXX, XXXX , CA , XXXX. Collectors Name : is XXXX XXXXCollection Phone : XXXX. Main Line : XXXX. I contacted The Dept of Treasury and they give me the number for The Federal Trade Commission for whom I called to file a complaint. \n Company chooses not to provide a public response Performant Financial Corporation MD 219XX Older American Consent provided Web 05/05/2015 Closed with explanation Yes No 1360746
212415 04/28/2015 Debt collection Non-federal student loan Communication tactics Frequent or repeated calls XXXX to XXXX repeated calls per day even after advising them to stop calling. \n Company believes it acted appropriately as authorized by contract or law Sallie Mae PA 153XX Servicemember Consent provided Web 04/28/2015 Closed with explanation Yes Yes 1350252
212417 04/14/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine On XXXX XXXX, XX/XX/2015, I was mailed a demand letter for payment of {$400.00} from Capital Management Services , LP. \n\nI am disputing this debt, because it has never belonged to me. This debt is not mine. \n\nThis debt is a result of an identity theft where my XXXX Bank checking account checks and debit card were stolen from my vehicle. \n\nAgain, I am disputing this XXXX Bank debt of {$400.00}, because it does not belong to me and it resulted from an identity theft of my debit card and checking account checks. \n Company believes it acted appropriately as authorized by contract or law Capital Management Services, LP CA 913XX Older American Consent provided Web 04/16/2015 Closed with explanation Yes No 1329082
212447 04/28/2015 Debt collection I do not know Communication tactics Threatened to take legal action Recieved call stating BOA had aquired a loan from prior to 2010. Being very ill, I gave my wife permission to speak with them. She was extremely RUDE and kept telling my wife not to interupt her. She would NOT tell her anything except Bankj of America had just aquired the loan & they want thier money. When my wife tried to get any info as to what the loan was about, she said we could settle the debt right now but would not say anything more than it was an old loan that BOA had just aquired and no other info from whom the loan was aquired. She finally said we would be sued and taken to court and abruptly HUNG UP on my wife. I called here back and tried to get the info from her. She was so rude and ignorant, I could not believe this woman. She said " NOW YOU WANT TO TALK TO ME '' " if you want to know anything, ASK YOUR WIFE. I wanted to know how I can settle a debt when she would not tell me who the debtor was. I have to admit I became HIGHLY AGITATED and did use some abusive language and hung up on her when I could get NO INFO and all she was doing was yelling at me. My wife called back and tried to talk to someone else and they once again immediately hung up the phone without speaking, as soon as they determined who was calling. \n\nTo summarize this whole situation. The person who called was XXXX and she was mean and very rude. She told my wife this debt has to be settled today but would not reveal from whom BOA aquired the loan. After giving us NO INFO she said to ge3t a lawyer because they are going take us to court and sue us. I 'm not sure if the company name and representive is correct. They did not identify themselves except to say there is a claim against me. The phone numbers were left on the answering machine and taken from my caller ID. \n Company chooses not to provide a public response Bank of America FL 349XX Older American, Servicemember Consent provided Web 04/28/2015 Closed with explanation Yes No 1350267
212569 04/28/2015 Debt collection Medical Taking/threatening an illegal action Threatened arrest/jail if do not pay I had an identity theft and provided the police report and id theft package ( we now knew who did this via the FBI contacting me ) via fax last night they claimed they never received it previously. I called to day to verify if XXXX received it, she told me she had, She said she had competed her investigation and had determined I owed the debt and that if I did not pay by credit card right now she would have me arrest and thrown in jail. I told her it was illegal for her to to try to collect a debt a debt I do n't owe and to say she would have me arrest and I demanded she provide me the method and results of her investigation in writing, she refused and finally put the owner of the company on the phone. The woman said she was XXXX and refused to give me her last name. She also said she had reviewed the account and has concluded I owed the money she also demanded payment of these debts I do now owe, I told her she was breaking the law telling me she was going to sue me, she is refusing to show the method and findings of an investigation concluded in less than 10 hrs after receiving the ID theft and police report. I plan on hiring an attorney to sue these people and need your help in obtaining their names etc so I can file a complaint against them in federal court. I have just received a very large inheritance and I now have the money to hire an attorney. XXXX of the acts is XXXX XXXX XXXX XXXX XXXX XXXX ER XXXX XXXX XXXX XXXX I I have spoken to him he has never treated me \n Company chooses not to provide a public response Collection Information Bureau, Inc. FL 333XX Older American Consent provided Web 05/05/2015 Closed with explanation Yes No 1351540
212698 03/26/2015 Student loan Non-federal student loan Dealing with my lender or servicer Trouble with how payments are handled Ive paid all of my XXXX loans and now im recieving this letter in the mail an it says i owe XXXX more dollars. I went to XXXX and wen i got out and called after recieving my paper work in the mail they said hat they paid back the remaining balance of what was not used to the loan company so i paidn off all the XXXX loans and the XXXX loans that i had witch included them taking my tax return almost XXXX dollars im super irritated with this XXXX so someone needs to do some reaserch and figure out how many debt collection agencies have my loans and why i keep getting more of these places contacting mesayin i owe them thousands of dollars when all together i only owe XXXX dollars period \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Genesis Lending TX 765XX Servicemember Consent provided Web 03/26/2015 Closed with explanation Yes No 1302009
213086 04/28/2015 Debt collection I do not know Communication tactics Used obscene/profane/abusive language This debt collector called and was threatening, asking me repeatedly if I intended to pay a debt I know I did not incur with an Orthodontist? I have never been to an orthodontist. I told the debt collector I needed validation of the debt and he told me " blah blah blah - whatever are you paying this or not!!!!!!!!!!!!!!! '' I told him no and that he had no authority to call and threaten me at my place of employment! \n Company believes it acted appropriately as authorized by contract or law CLX Systems/ Westwood Management MN 557XX Servicemember Consent provided Web 05/05/2015 Closed Yes No 1350508
213328 04/15/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid American Collections Enterprise , Inc. has reported fraudulent information to credit bureaus regarding a alleged debt. This debt has been paid in full to the original creditor yet American Collection Enterprise , Inc. continues to report the debt as unpaid to credit bureaus even though they have acknowledged being informed of the debt having been satisfied prior to their most recent reporting to credit bureaus. \n\nI filed complaints with the XXXX and the Consumer Financial Protection Bureau yet as of XXXX/XXXX/2015 they had yet to remove the incorrect information. In their response to the complaints, they state that they were informed that the debt has been satisfied prior to their most recent reporting. Their response states " XXXX XXXX ' payment was made directly to the original creditor. They reported it to our office on XXXX XXXX, 2015. '' However XXXX listed the account being updated on XXXX XXXX, 2015. \n\nThe debt was then removed from my Credit Report when I checked it as of XXXX/XXXX/2015. However, the false information has been reported again to XXXX. This time, they have reported only the dollar amount and account number, electing to leave their name off of it. This is the XXXX complaint I have had to make regarding their tactics and I have been advised by council that these repeated false reportings constitute harassment. \n Company chooses not to provide a public response American Collections Enterprise, Inc. MD 210XX Servicemember Consent provided Web 04/17/2015 Closed Yes No 1331938
213343 05/11/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I was sent by my company XXXX XXXX XXXX out of XXXX, Oklahoma to be fitted for prescription safety glasses. The exam, and glasses were to be paid by the company as they had an account with the provider. All employees were allowed XXXX pair a year. After about XXXX weeks the company shut down that yard, and I 'm assuming did n't pay the bill. They are now contacting me and placing derogatory remarks on my credit report. \n Company believes it acted appropriately as authorized by contract or law NorthStar Technologies TX 756XX Servicemember Consent provided Web 05/12/2015 Closed with explanation Yes No 1370355
213357 05/11/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt was discharged in bankruptcy 1-On XX/XX/XXXX, I received a debt collection claim from Dynamic Recovery Solutions XXXX XXXX XXXX, XXXX, SC XXXX requesting the payment of {$1100.00} in behalf of account number ending in XXXX. \n\n2-On XX/XX/XXXX I replied via certified mail that I disputed the validity of the debt due to the statute of limitation. \n\n3-Although Dynamic was supposed to reply, I never receive a reply to my letter of XXXX/XXXX/2013. \n\n4-On XX/XX/XXXX Dynamic Recovery Solutions XXXX XXXX XXXX, XXXX, SC XXXX sent me a new letter requesting me to pay {$670.00} in behalf of the same account ending in XXXX. \n\n5-On XX/XX/XXXX I replied via certified mail that I disputed the validity of the debt due to the statute of limitation. \n\n6-Although Dynamic is supposed to reply, I have not received a reply to my letter of XX/XX/XXXX. \n Company believes it acted appropriately as authorized by contract or law Dynamic Recovery Solutions, LLC NV 891XX Older American Consent provided Web 05/12/2015 Closed with non-monetary relief Yes No 1370428
213596 04/15/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine Grant & Weber Inc out of XXXX NV is trying to collect a debt from CALIFORNIA on a Medical debt for XXXX XXXX XXXX XXXX which already was challenged and disputed for services never rendered this debt to believe after investigation someone using my name for XXXX XXXX XXXX XXXX never complied and or sent proof ( SIGNED AUTHORIZATION COPY FOR MEDICAL TREATMENT AND OR WAS NOT MY SIGNATURE OR ID ) Grant and Weber in the past and present has researched my name and credit profile and is soliciting so called past debt and purchasing bad uncollectible PAST DISPUTED DEBTS and calling and threatening to take legal action against me, \n Company chooses not to provide a public response Grant & Weber NV 891XX Servicemember Consent provided Web 04/15/2015 Closed with explanation No No 1332142
214028 04/08/2015 Debt collection Medical Communication tactics Called outside of 8am-9pm Repeated calls after being on the " DO NOT CALL LIST ''. \n Company believes it acted appropriately as authorized by contract or law CL Holdings, LLC FL 344XX Older American Consent provided Web 04/08/2015 Closed with explanation Yes No 1321507
214226 04/22/2015 Debt collection Auto Cont'd attempts collect debt not owed Debt is not mine A company called " Credit Collection Services '' and " XXXX '' have sent another letter concerning a debt for XXXX XXXX XXXX of {$25.00} to XXXX XXXX XXXX who does not live at this address and also, is not even the correct middle name. The middle name is that of my mother who died over XXXX years ago. I have filed a complaint in the past for this same company and this is another continued attempt at fraud. I checked multiple website and every single site says the same thing " fraudulent. '' I contacted the company and spoke with a " XXXX XXXX ( not sure on spelling ) '' or " XXXX XXXX or XXXX '' she gave multiple names which made the call even more suspicious. I was intrigued by this and asked if she had any more aliases she went by. She stated no. I informed them I was filing a complaint. I also contacted XXXX and informed them of the situation providing them with the File Number and PIN number on the document. \n Company disputes the facts presented in the complaint CCS Financial Services, Inc. CO 809XX Servicemember Consent provided Web 04/27/2015 Closed with explanation Yes No 1342803
214268 04/28/2015 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect I received a payday loan over 7 years ago from Cashnet USA. I had been going through a lot and could n't repay it On XXXX/XXXX/2015 I received a phone call from a restricted number. I was asked my name and was the last XXXX of my social -- --, and I said yes. When I started asking questions she gave me a number to call which is XXXX and then she said she was only a finder. when I called the number I spoke with XXXX at ext. XXXX. She told me she was calling because They were trying to serve me a subpoena at my address. I be home everyday so I knew she was not telling the truth. I told her this debt was over 7 years and chapter XXXX says the statute of limitation is 3 years but I found out it 's 5 years, then she told me it was 8 years. XXXX wanted me to give her a debit card number that she could take the money from this card. I refused, and then she told me if I did n't call her back with a card number by XXXX she would pursue the matter. She claimed that she called Cashnet attorneys and then while she was talking to me she mention something about a collection and that 's when I asked her was she with a collection agency. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Enova International, Inc. FL 323XX Older American Consent provided Web 04/29/2015 Closed with explanation Yes No 1350932
214285 04/28/2015 Debt collection Credit card Communication tactics Frequent or repeated calls I have a XXXX credit card, I was making monthly payments online till XXXX month the payment did not credit my account, I do n't know why. After that XXXX started adding monthly fees even after I told them I made the online payment. I 've been paying what I can {$50.00} every month but still they do n't stop adding late fees and calling me. \n Company chooses not to provide a public response Radius Global Solutions LLC FL 334XX Older American Consent provided Web 04/28/2015 Closed with explanation Yes No 1351358
214485 05/12/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine Just received a letter from XXXX Service collecting for a local hospital. Debt is for a person with almost the same mane ( person that owes debt has different middle initial and living at a different address ). Also, some of the hospital visits are for a period when I was out of the country working for a company in XXXX XXXX. Just notified via mail. Individual is XXXX years younger than myself and has had trouble with the law in the past XXXX previous debt/restitution ) \n Company believes complaint is the result of an isolated error DCS Financial, Inc. WA 986XX Servicemember Consent provided Web 06/30/2015 Closed with explanation Yes No 1371243
214617 04/28/2015 Debt collection I do not know Disclosure verification of debt Not given enough info to verify debt received call at XXXX on XXXX XXXX 2014. I answered the phone and they asked for XXXX XXXX. I said, " This is her. " They said, " I would like to verify your mailing address. " I said, " Who 's is this. " He said, " XXXX from ... '' and slurred where he was calling from. \nI had to ask him to repeat where he was calling from and he said " Stellar recovery ''. \nI had to ask what is stellar recovery and he said it was a collection agency and that he did not want to disclose any more information about it. I said, " Well I do not want to disclose my personal information to somebody I have no idea what it is. " He said, " I will document this '' and then he hung up. \ni feel harassed, just because i dont want to give up my personal information to someone who refuses to tell me why they are calling who they are who they represent or what debt i owe, I 'm somehow being reprehended by receiving a negative documentation. \n Company believes complaint represents an opportunity for improvement to better serve consumers Stellar Recovery Inc. CA 949XX Servicemember Consent provided Web 04/28/2015 Closed with explanation Yes No 1349922
214827 04/22/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Received calls from " Bryant Bryant and Associates '' stating that I owe money on a bounced {$500.00} check from 2010. Never happened! The bank and account number they gave me was either fake or belonged to someone else. I asked them to send documentation and they refused, saying they did n't need to provide documentation. The woman on their end became very pushy and belligerent. I did not give them any information, and I clearly stated that they were not to call me anymore. They tried again anyway. I have now blocked their number on both my home and cell phones. \n Company believes it acted appropriately as authorized by contract or law Bryant Bryant & Associates LLC CA 921XX Servicemember Consent provided Web 04/24/2015 Closed with explanation No No 1341344
214835 04/22/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine Around XXXX XX/XX/2015 I noticed a collection debt from Collection Bureau Services , Inc, in lieu of XXXX XXXX XXXX XXXX. I contacted XXXX XXXX XXXX XXXX to find out who they were and why they were showing up on my credit report. they explained that my ex-wife had care there. I asked what that had to do with me, not only where we divorced, but the divorce decree said she had to have her own insurance long before this visit. I was told I had to take it up with the collection agency. I called them and spoke to a XXXX XXXX who informed me that if I showed the signed decree they would remove it from my name. So, I sent the collection agency a signed letter ordering to cease and desist all communications and to remove my name from her bill. enclosed i sent the agreement which stated that she was to hold her own insurance from about 5 months prior to her eye visit. They then sent me a letter stating " validation of dept ''. I called them, and they said, " well, XXXX validated it, and said you owe it. '' I then called XXXX XXXX and spoke to XXXX, she said, " sorry, you have to take it up with the collection bureau '' and then hung up the phone on me. Not only were we divorced, but the agreement says she was to have her own health insurance. XXXX XXXX is trying to claim that since she " used '' my insurance that is why I am liable. I do n't know if tri-care paid anything prior to this visit or not, but nothing was every authorized. And I was never her medical care giver or provider. \n Company believes it acted appropriately as authorized by contract or law Collection Bureau Services, Inc. AP 962XX Servicemember Consent provided Web 04/22/2015 Closed with non-monetary relief Yes Yes 1342869
214860 04/15/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt was paid southwest credit system LPDescription of Complaint : Although this account was in dispute I made an attempt to pay the original lender and have this account removed from my credit report, they referred me back to the collection agency and said its up to them. After contacting Southwest credit sys a collection agency that report to all credit angency. I was told by XXXX XXXX XXXX and other employees of Southweast credit sys that they could not delete this account from my credit report because of company policy and federal laws although I paid the account in full on XX/XX/2015. I have disputed this account from the very beginning and I have not yet as of today received a certified letter from either company concerning this account. I do n't believe what their saying is true. In dealing with another collection angency they had no problems deleting the account after receiving a letter from me requesting it. Mine you both companies are dealing with me in the state of Texas. I 'm looking for help in this situation please. I feel this type of practice is unfair to the consumers. Thank you \n Company believes it acted appropriately as authorized by contract or law Southwest Credit Systems, L.P. TX 790XX Servicemember Consent provided Web 04/15/2015 Closed with explanation Yes No 1331282
214869 05/12/2015 Payday loan Payday loan Received a loan I didn't apply for Received a loan I didn't apply for I received a letter stating that it was a XXXX reminder for an outstanding account which I had not opened. I had never heard of this business before. I tried calling and was asked for personal information which I did not supply. XXXX, XXXX, XXXX and XXXX were not helpful and was hung up on twice. The envelope in which I was supposed to remit payment was self-addressed to NIIWIN , LLC XXXX Lendgreen. XXXX XXXX XXXX, XXXX XXXX XXXX, WI. XXXX. \n Company believes it acted appropriately as authorized by contract or law LDF Holdings, LLC VA 231XX Older American Consent provided Web 05/13/2015 Closed with explanation Yes No 1371529
214906 05/12/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine Debt was incurred on a credit card that was not ordered by me and occurred in a place where I was not. I was going to college in Arizona. XXXX credit management also notified me past the statute of limitations. \n Company chooses not to provide a public response Citibank NE 685XX Servicemember Consent provided Web 05/12/2015 Closed with explanation Yes No 1371551
215074 04/01/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Progressive Financial keeps calling & harassing me concerning debt that I do not owe. I believe that the debt is owed by a person with the XXXX as mine. \n Company chooses not to provide a public response Progressive Financial Services, Inc. AZ 853XX Servicemember Consent provided Web 04/01/2015 Closed with explanation Yes No 1310245
215347 04/02/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt XX/XX/XXXX, I terminated my lease 2 months early with XXXX XXXX in XXXX, TX. I followed all of the rules in the contracts, and addendum, regarding early termination. \n\nIn XX/XX/XXXX I received a letter from XXXX XXXX XXXX that they were trying to collect a debt of {$1300.00}. XXXX was charging me for a deposit due to early termination. I called and sent a letter requesting that they validate the debt. Their response was a copy of my lease with a letter that stated 'it was validated '. From there, I replied with a letter outlining the specifics of the lease and provided them with a copy of these and the early termination addendum asking them to correct the outstanding amount and validate the debt again. We went back and forth for two months. I had little success and their verbal response was to get a lawyer. \n\nBecause the leasing company and debt collection agency were rude, not compliant and not providing an adequate response, I filed a complaint to the XXXX on XXXX. \n\nOn XX/XX/XXXX I received a derogatory remark for {$1300.00} ( my balance was still being disputed with XXXX and National Credit Services ). \n\nOn XXXX XXXX, I received a letter from XXXX that my balance was corrected to {$200.00} When I contacted XXXX and XXXX on XX/XX/XXXX regarding the derogatory remark on my credit, they would not remove the remark from my credit report. Instead, they would show the balance as paid. National Credit Services and XXXX realty did not provide me with XXXX from the date the debt was validated to pay may balance before affecting my credit. The debt was not truly validated until XXXX which should allow me to pay the debt off by XX/XX/XXXX. \n\nWhen contacting XXXX and NCS regarding the above, they lack professionalism by hanging up with me, bullying me by talking over or saying they will disconnect the call if I 'm not calling to make a payment, and telling me that there is no way for this to be removed from my credit report. I have made many efforts and walked them through the process but have been unsuccessful with finding a resolution. \n Company believes it acted appropriately as authorized by contract or law National Credit Systems,Inc. TX 770XX Servicemember Consent provided Web 04/20/2015 Closed with explanation Yes No 1312625
215378 04/29/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Pre recorded msg states they are collecting adebt for a name I never heard of. Says if I am not this person hang up otherwise I am acknowledging I am this person. I have tried call block but switch their number. Caller ID says XXXX offices. Numbers start with XXXX. \n Company can't verify or dispute the facts in the complaint CCS Financial Services, Inc. FL 346XX Servicemember Consent provided Web 05/05/2015 Closed with explanation Yes No 1352084
215463 05/05/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid I have XXXX and pay what I need to pay each time. I saw XXXX collection accounts on my credit. My insurance paid my medical bills. I sent to this agency to validate the debt and they did not validate it. This agency is not Bonded to collect in my state. I checked on the Secretary of State Site and entered their name and address. It says there is not a bond for them. This agency never sent me a letter or anything stating that they are putting anything on my credit \n Company believes it acted appropriately as authorized by contract or law Express Recovery Services, Inc. TX 773XX Older American Consent provided Web 05/06/2015 Closed Yes No 1360389
215480 05/12/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I submitted this to the CFPB about 6 months ago. Case No. XXXX. As a result the debt collection company, Meade & Associates, responded that the original alleged creditor had " requested that the account be closed '' because it was " sent in error. " Now Meade & Associates are sending me threatening letters again demanding payment for this same account even though I sent Meade copies of their correspondence to me closing the account. \n Company believes it acted appropriately as authorized by contract or law Meade & Associates, Inc. OH 432XX Older American Consent provided Web 05/12/2015 Closed Yes No 1370704
215637 04/08/2015 Debt collection Federal student loan Taking/threatening an illegal action Sued w/o proper notification of suit Performance Recovery levy my payroll. I wrote them a letter indicating that i do not owe them any money, nevertheless, requested that they submit to me signed copy of the contract, cancelled checks, and any other documents that might indicate that Iinitiated this loan. As indicated to them the federal law suggests that they should respond back to me within 30 days. They did not respond back, instead, a new levy was sent to my employer to continue the levy. this is causing a financial burden. My employer indicated that they do not know there is a federa law that protect the consumer. \n\n\nXXXX XXXXPerformant Recovery, XXXX. XXXX XXXX, Ca XXXX XXXX XXXX XXXX XXXX I received a garnishment from my employer, concerning a debt from you. This is not a refusal to pay, but a notice that your claim is being disputed. This is a request for validation made pursuant to the Fair Debt Collection Practices Act. \nBe advised that I am not requesting a " verification '' that you have my mailing address, I am requesting a " validation ; '' that is, competent evidence that I have some contractual obligation to pay you. Provide me with factual evidence that I have any legal obligation to pay you. \nPlease provide me with the following ; *What the money you say I owe is far*Provide me with copies of any judgment if applicable*Explain and show me how you calculated what you say I owe*Identify the original creditor*Prove the status of limitation have not expired on the account*Show me that you are licensed to collect in my state ; and*Provide me with your license numbers and Registered Agent. \nYou should also be aware that sending unsubstantiated demands for payment through the XXXX Mail System might constitute mail fraud under federal and state law. You may wish to consult with a competent legal advisor before your next communication with me. \n Company chooses not to provide a public response Performant Financial Corporation CA 902XX Older American, Servicemember Consent provided Web 04/14/2015 Closed with explanation Yes No 1321902
215956 04/22/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine Commonwealth Finance keeps trying to destroy my credit for items that were proven to have no longer been my responsibility. As proof, please see the attached documents from XXXX Collections Management Center that show I 've had these items removed from my credit report XXXX before Commonwealth Financial went in and changed the dates so as to fool the system and collect their fees above all else. The items were disputed, removed, then re-inserted without notification. They need to acknowledge these past deletions and leave a XXXX vet alone! \n Company believes it acted appropriately as authorized by contract or law Commonwealth Financial Systems, Inc. NJ 070XX Servicemember Consent provided Web 04/22/2015 Closed with explanation Yes Yes 1341679
215979 05/12/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine In reference to case # XXXX and XXXX Commonwealth Financial Systems, Inc continues to telephone me and send me mail regarding the above case numbers. \n\nThis time, instead of listing XXXX XXXX as the placer of the so-called debt they now list " XXXX XXXX XXXX. " The same information still obtains. XXXX XXXX XXXX XXXX failed to exercise due diligence in billing the VA in a timely manner ( over 8 months ). \n\nIn the above referenced case numbers I was assured the collection efforts would stop pending a decision. That has not happened. They have continued to harasses my wife and send me letters telling me I have 30 days to respond even though I responded back in XXXX. \n\nPlease make this stop! \n Company believes it acted appropriately as authorized by contract or law Commonwealth Financial Systems, Inc. TX 785XX Older American, Servicemember Consent provided Web 05/12/2015 Closed with explanation Yes No 1372595
216250 04/22/2015 Debt collection I do not know False statements or representation Attempted to collect wrong amount this parasitic company is trying to collect debts, from family members, that DO NOT exist. They are praying on people that have recently had a death in their family and telling the survivors that the dead owe them money. This company and EVERYONE that works for them is XXXX \n Company believes the complaint is the result of a misunderstanding Ascension Point Recovery Services, LLC CA 923XX Older American Consent provided Web 04/22/2015 Closed with non-monetary relief Yes No 1341824
216278 05/12/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I have received repeated LOUD automated messages from XXXX for a person I do not know ( XXXX XXXX ). I have had my cell # for over XXXX years. My name is not XXXX XXXX! I contacted the rude male from the XXXX # about their mistake and he hung up on me. I tried to call the number in the message too ( XXXX ) but I get an error saying invalid # or code. How can I get them to stop harassing me? I do n't owe any outstanding debts. They have the wrong number! \n Company chooses not to provide a public response Turning Point Solutions LLC UT 840XX Servicemember Consent provided Web 05/14/2015 Closed with non-monetary relief Yes No 1372287
216333 04/09/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt was discharged in bankruptcy Common wealth financial systems reported on all XXXX of my credit reports on XXXX and changed the status to " collection '' on XXXX/XXXX/XXXX. This debit was discharged XXXX XXXX in chapter XXXX bankruptcy. I contacted Common wealth financial systems at XXXX spoke with the supervisor XXXX XXXX and he stated to me " this is not common wealth 's problem because they have this debit reported as in collections as of XXXX XXXX '' He was informed the debit was discharged in chapter XXXX in XXXX XXXX and he stated " Common wealth does not investigate this and as of XXXX XXXX it is a collection that is due ''. What can i do about this stuff being reported to my credit. I have submitted packages to XXXX, XXXX and XXXX in XXXX XXXX to dispute the XXXX XXXX acct placed on my credit and Common wealth updated the status on XXXX/XXXX/XXXX to " collections '' I have been denied credit since XXXX XXXX and most recent XXXX XXXX reporting. \n Company believes it acted appropriately as authorized by contract or law Commonwealth Financial Systems, Inc. OK 731XX Servicemember Consent provided Web 04/10/2015 Closed with explanation Yes Yes 1322692
216380 04/09/2015 Debt collection Payday loan Cont'd attempts collect debt not owed Debt is not mine I received phone calls approximately XXXX months ago about a delinquent payday loan. I never took out this payday loan and the money the company said was deposited in my checking account never was so the debt is completely false. Now I have Aargon Collection Agency out of XXXX XXXX, Nevada trying to collect this same debt and providing no debt verification even though I can prove through bank records that the payday loan was never applied for or received. \n Company can't verify or dispute the facts in the complaint Aargon Agency, Inc. WI 541XX Servicemember Consent provided Web 04/09/2015 Closed Yes No 1322711
216556 04/09/2015 Debt collection Credit card Communication tactics Frequent or repeated calls o My wife opened this account over XXXX years ago when we lived in the XXXX area and I was working XXXX jobs. \no We moved back home to XXXX in XX/XX/XXXX when the company I was working for let all the XXXX go & bought a canned software package. \no I taught school for XXXX XXXX XXXX XXXX for XXXX years until I had a XXXX XXXX and was forced to retire. \no My wife XXXX has XXXX \no We XXXX take many medications and I can no longer work so I can no longer make payments. \no For the last several years we had this account we paid {$200.00} to {$250.00} dollars each month and regardless of many calls Home Depot refused to apply any part of the payment to the principle. \no We are XXXX years old and own no property or vehicles. \no We are constantly being harassed by XXXX XXXX XXXX both on my Home Phone and my Cell Phone I have repeatedly asked them to stop calling as we will never have any funds to make additional payments on this account. \nXXXX/XXXX/XX/XX/XXXX \n Company chooses not to provide a public response Citibank TX 773XX Older American Consent provided Web 04/09/2015 Closed with explanation Yes No 1322570
216750 04/16/2015 Debt collection Mortgage Taking/threatening an illegal action Seized/Attempted to seize property My account was reassigned to this company effective XXXX 2015. When I XXXX received their bill notice, it stated I was 90 days over due. When I phoned & spoke with a person, I informed them that my account was just reassigned as of this month. They kept telling me I was 90 days behind. I paid the balance on XXXX, and I recently received a bill with an outstanding balance and added charges. A person arrived to my residence today, XXXX & handed me a note to call mortgage company. It was the wrong mortgage company. He started to take pictures of my residence. This debt collection company is acting as if I have not paid the balance due. They have initiated steps towards a " foreclosure '' on my residence. \n Company chooses not to provide a public response Specialized Loan Servicing LLC CA 919XX Servicemember Consent provided Web 04/16/2015 Closed with explanation Yes No 1334333
216832 04/29/2015 Debt collection Credit card Communication tactics Frequent or repeated calls Penn Credit Collection called my job requesting payment on a bill I do not even owe. The company keeps changing their number and calls my job and cell phone constantly. I do not owe the debt they are trying to collect. \n Company believes it acted appropriately as authorized by contract or law Penn Credit Corporation IL 604XX Servicemember Consent provided Web 04/29/2015 Closed with explanation Yes No 1353589
216959 05/13/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received I sent a written a communication to this collection agency. The letter was returned through postage stating address unable to find. No ability to dispute claim given. \n Company believes the complaint is the result of a misunderstanding Ray Klein, Inc. AL 361XX Servicemember Consent provided Web 05/13/2015 Closed with explanation Yes No 1374628
217001 05/13/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt was paid I am receiving demands to pay a debt to a collections agency from a For-Profit College. I have student loans that should have covered this cost. I do not understand why this debt is on my credit record. I am not disputing my student loan claims. Why do I have this extra cost? \n Company chooses not to provide a public response RMS-Recovery Management Services, Inc. AL 361XX Servicemember Consent provided Web 05/13/2015 Closed with explanation Yes No 1374630
217130 04/16/2015 Debt collection Credit card Communication tactics Frequent or repeated calls There is a certain debt collector known as Central Portfolio XXXX that is repeatedly calling and harassing my poor old XXXX year old grandmother on the basis of a debt I DO NOT legally owe. I am a resident of XXXX, where the debt should have expired last year, yet they call her at her number in XXXX, where I do not know how they got that number, as I have had no communications with them. What actions should I take to assert my rights and my grandmother 's privacy? \n Company chooses not to provide a public response Central Portfolio Control Inc. NV 894XX Servicemember Consent provided Web 04/16/2015 Closed with explanation Yes No 1332482
217218 05/06/2015 Debt collection Medical False statements or representation Impersonated an attorney or official I previously filed a complaint with CFPB against XXXX XXXX and their collection agency, Louisiana Recovery Services. I asserted that the debt should have been submitted to VA to be paid. In their response, they asserted that they mailed letters that were returned ( which means they had the wrong address ). Also, they said they called me through some sort of robocall. But, never spoke to me. Certainly, if they would have spoke to me, I would have told them what I requested initially and now, submit the bill to VA. \n\nAlso, in their response to the CFPB complaint, they said they would submit the bill to VA. However, when I called VA 2 days ago, I learned that they never submitted the bill for payment. However, when I called Louisiana Recovery Services and spoke to XXXX XXXX, while VA representative XXXX XXXX was listening, XXXX XXXX falsely asserted that they had submitted the bill to VA for payment on XXXX XXXX, 2015. But, she was shocked when VA responded that was not true, and requested the payer ID number, which they could not provide. XXXX XXXX then provided her with the payer id number, and requested that Louisiana Recovery Services submit the bill. Also, XXXX XXXX asserted that Agent for Louisiana Recovery Services, who told me that she was a lawyer, XXXX, was in fact only a collection agent. VA agreed that it appears that they are deliberately refusing to send the bill to them for to avoid getting reimbursed the minimal government rate of charge, as opposed the over {$1700.00} they billed me personally. Why collect {$250.00} from VA, when they can try to collect so much more from me by holding my credit hostage. This is deceptive and unfair credit practices. \n Company believes it acted appropriately as authorized by contract or law Louisiana Recovery Services Inc. LA 700XX Servicemember Consent provided Web 05/06/2015 Closed with explanation Yes No 1362393
217359 05/06/2015 Debt collection Credit card False statements or representation Attempted to collect wrong amount This debt was settled and paid in full to a different firm. Capital Management Services LP is falsely claiming this debt is outstanding. They have attempted to bill me for this. The bill states " unless you notify this office within 30 days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid ''. This is fraud. I do not wish to contact anyone representing this firm. \n Company believes it acted appropriately as authorized by contract or law Capital Management Services, LP NV 891XX Servicemember Consent provided Web 05/06/2015 Closed Yes No 1362698
217360 05/06/2015 Debt collection Credit card False statements or representation Attempted to collect wrong amount This debt was settled and paid in full to a different firm. XXXX XXXX XXXX XXXX is falsely claiming this debt is outstanding. They have attempted to bill me for this. The bill states " unless you notify this office within XXXX days after receiving this notice that you dispute the validity of this debt or any portion thereof, this office will assume this debt is valid ''. This is fraud. I do not wish to contact anyone representing this firm. \n Company chooses not to provide a public response Citibank NV 891XX Servicemember Consent provided Web 05/06/2015 Closed with explanation Yes No 1362699
217506 05/19/2015 Debt collection Mortgage Improper contact or sharing of info Contacted me after I asked not to OCWEN mortgage servicing company ( XXXX ) has been calling for over a year. I have never had a mortgage with anyone. Explained each time that the person they are looking for is not at this number, that I am not the debtor they are looking for and requested each time to have my number removed from their system. Have called their " support '' number and requested my number be removed. They continue to call daily, sometimes XXXX daily. \n Company can't verify or dispute the facts in the complaint Ocwen IL 622XX Servicemember Consent provided Web 05/19/2015 Closed with explanation Yes Yes 1382165
217665 05/19/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I have reached out to the company. However, they never responded. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Sun Trust '' on XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. \n\nPlease find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter. \n Company chooses not to provide a public response SunTrust Banks, Inc. MD 207XX Servicemember Consent provided Web 05/21/2015 Closed with explanation Yes No 1383711
217682 05/19/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I have disputed the information with the company. However, I have not gotten a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Regional Acceptance '' XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. \n\nPlease find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter. \n Company chooses not to provide a public response BB&T Financial MD 207XX Servicemember Consent provided Web 05/21/2015 Closed with explanation Yes No 1383710
217687 05/19/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Reached out to them however, never got a response. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Flagship Credit '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. \n\nPlease find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter. \n Company chooses not to provide a public response FC HoldCo LLC MD 207XX Servicemember Consent provided Web 05/21/2015 Closed with non-monetary relief Yes No 1383714
217688 05/19/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I sent a letter regarding the matter however, no response from the company. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " WFDS d/b/a Wells Fargo Dealer Service '' on XXXX via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. \n\nPlease find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter. \n Company chooses not to provide a public response Wells Fargo & Company MD 207XX Servicemember Consent provided Web 05/21/2015 Closed with explanation Yes No 1383715
217696 05/06/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received I am not responsible for this account as it was fraudulently opened in my name by my roommate without my knowledge. \n Company can't verify or dispute the facts in the complaint Solomon and Solomon, P.C. ME 042XX Servicemember Consent provided Web 05/06/2015 Closed with non-monetary relief Yes Yes 1362814
217816 04/16/2015 Debt collection Credit card Disclosure verification of debt Not disclosed as an attempt to collect I received a message from a family member that XXXX associates were trying to get a hold of me. I called the company with the correct case # and the gentlemen ( who did not provide his name ) asked if I was me by name and I said yes. I asked for the company name and he provided then started to go into details of a debt that I am unsure of without letting me know it was a debt collection call. I asked for info to be mailed to me at my address on file. He started to get hostile and claimed I have already received notices and kept trying to verify personal information. I claimed I have not received any notices and he asked why have n't I been paying my bills then. I told him I do n't have an account from the company they claim is the original creditor and to send me proof by mail. He kept trying to get me to verify personal information and I told him I am not verifying any personal information on the phone and he hung up on me. \n Company believes it acted appropriately as authorized by contract or law Northern Alliance Management, LLC MS 394XX Servicemember Consent provided Web 04/23/2015 Closed with explanation Yes Yes 1332684
217842 04/02/2015 Debt collection Payday loan Cont'd attempts collect debt not owed Debt is not mine On XX/XX/XXXX, I received my credit report from XXXX. On XX/XX/XXXX, Transunion opened a dispute I had with Accelerated Financial Solution aka/ AFS. On XX/XX/XXXX, I received a response from XXXX showing both accounts with AFS were verified, no change. Total amount supposedly owed on XXXX accounts totaling {$690.00} account # 's XXXX & XXXX. \nOn XX/XX/XXXX, I submitted another dispute claim with XXXX stating again I had no knowledge of this debt and did not owe them any money. Furthermore, why would a business make XXXX separate loans at different times totaling {$690.00} when the XXXX loan was n't paid. I have no idea when these loans were initially opened. Also, I made a request to cease and desist any further collection action. \nOn XX/XX/XXXX, I received a response from XXXX which state the exact same comments from XXXX, verified, no change. Their correspondence dated XX/XX/XXXX. \nI received XXXX collection letters from AFS dated XX/XX/XXXX in which there advised me of the debt and I had 30 days to dispute the debt. It also showed on their letters accounts were purchased from XXXX XXXX XXXX. Prior to their letters I had received no collection correspondence or phone calls from either business. \nOn XX/XX/XXXX, I contacted AFS and spoke with a person named XXXX @ XXXX. I explained my contacts with XXXX and my dispute with his business. He seemed very unconcerned and kind of smart attitude. Told him I was going to sue for harassment infringing on my rights. \n Company believes it acted appropriately as authorized by contract or law Accelerated Financial Solutions, LLC MO 641XX Older American Consent provided Web 04/10/2015 Closed with non-monetary relief Yes Yes 1313661
217994 05/13/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Used obscene/profane/abusive language I contacted National Credit Systems to attempt to resolve my debt at an apartment community I use to live at. XXXX XXXX, the representative over my account was obscene, being rude and stating that she was n't trying to hear me say what was legal because I am not a lawyer. She then transferred me to her manager, or supervisor, voice mail. I left him a voice mail. Then I called back to ask if a different rep could be assigned to my case and the operator informed me that no that could not be done. She gave me the manager and supervisor extension ( XXXX XXXX XXXX XXXX XXXX ). I left a voice mail with XXXX of them also. I am trying to resolve this debt before it hits my credit and XXXX XXXX is not allowing me to do so because of her disrespect and non cooperative attitude and behaviors. I have read the laws governing fair debt collection and consulted with legal counsel regarding it. XXXX XXXX told me that even if I was paying on my debt since it was n't auto drafted from a checking account it would not stop it from being reported to the credit bureaus. This is a violation and unfair credit practice. The call was monitored and recorded so there is proof. \n Company believes it acted appropriately as authorized by contract or law National Credit Systems,Inc. GA 303XX Servicemember Consent provided Web 05/13/2015 Closed with explanation Yes Yes 1373422
218109 04/16/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I did not have XXXX and they have put this collection ion my report regarding a collection from them. \n Company believes it acted appropriately as authorized by contract or law First National Collection Bureau, Inc. CO 809XX Older American Consent provided Web 04/20/2015 Closed with explanation Yes No 1332769
218254 04/29/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Indicated committed crime not paying Failed to notify of debt, paid debt and will not remove debt from credit report \n Company believes it acted appropriately as authorized by contract or law The Best Service Co.,Inc CO 807XX Servicemember Consent provided Web 05/05/2015 Closed with explanation Yes No 1353064
218444 04/29/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I am a veteran XXXX starting on XX/XX/XXXX. In XX/XX/XXXX, I terminated a lease early with XXXX XXXX under their military clause due to XXXX to move. I did not receive any notice indicating I was owed money. XXXX years later starting on XX/XX/XXXX, I began receiving a call from XXXX. I answered and spoke with someone who did not reveal their name on XX/XX/XXXX. He claimed I owed utilities from when I terminated the lease through the original end of the lease. He was rude and aggressive claiming that they waited as long as they did due to the Sailor and Soldier Relief Act. I said there was nothing in my lease indicating I would be responsible for utilities AFTER I moved out. He refused to send me any documentation proving debt and demanded my personal information, like current address. I did not give him any personel information and hung up on him when he started threating lawsuits. \n Company believes it acted appropriately as authorized by contract or law I.Q. Data International, Inc. VA 221XX Servicemember Consent provided Web 04/29/2015 Closed with explanation Yes No 1353121
218550 04/16/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine My physician contracted with a XXXX party to provide medical services for their clients. The physician outsourced services on my behalf without my consent or knowledge and failed to pay for these services. The XXXX party billed me. I disputed this bill with the XXXX party and they failed to respond. Instead, they outsourced their bill to a collection agency. I disputed this bill with the collection agency at that time and that they validate the bill and I received no response. Five years later, another collection agency reported the bill to the credit bureau in 2015 without contacting me. I disputed this bill through XXXX who closed the dispute after two weeks when the new collection agency simply stated that is was my debt without any validation, nor XXXX ask for any. I am filing this complaint and asking XXXX to re-open a dispute and handle it appropriately and in accordance with the law. I am also re-disputing this debt with the new collection agency in writing again. As I understand the new rules medical debts can not be reported for 180 days while they are being investigated. I am very concerned that instead of dealing with the matter, this agency will drop it and it will show up with another agency. \n Company believes it acted appropriately as authorized by contract or law COLLECTION SERVICES OF ATHENS, INC. GA 306XX Servicemember Consent provided Web 04/16/2015 Closed with explanation Yes No 1332926
218589 05/19/2015 Debt collection Medical Communication tactics Used obscene/profane/abusive language I spoke with an agent and I asked if I could get documentation to verify I owe a debt and he says no I would have to talk to my insurance since they made an initial payment. I told him the letter they sent said that I could dispute the debt and he says " you do n't know what dispute means '' I said he was being rude and unprofessional and I requested to speak to another agent or supervisor and he says " they do n't have time to talk to people like you ''. I said are you refusing to let me speak to a supervisor he says " yes, I am not going to bother them with your issues '' The agent refused to provide me with any information other than an amount owed and the name of medical facility, refused to allow me to speak to a supervisor, and talk to me in a demeaning way throughout the conversation. \n Company believes complaint is the result of an isolated error Medical Business Bureau TX 787XX Servicemember Consent provided Web 05/19/2015 Closed with explanation Yes No 1382405
218884 05/19/2015 Debt collection Credit card Disclosure verification of debt Right to dispute notice not received XXXX XXXX is reporting that they bought my XXXX account in XX/XX/XXXX. The XXXX Account was opened in XX/XX/XXXX and has been closed for a very longtime. I have written all the credit reporting agencies in an effort to remove this inaccurate credit information ( Exhibit # XXXX ). The XXXX Account ( ACCT # XXXX ) was listed on my Chapter XXXX Bankruptcy filing dated-XX/XX/XXXX ( Exhibit # XXXX ) and was discharged. \n Company chooses not to provide a public response SquareTwo Financial Corporation GA 303XX Older American Consent provided Web 05/26/2015 Closed with explanation Yes No 1382440
218993 05/19/2015 Debt collection Credit card Communication tactics Threatened to take legal action XXXX XXXX credit card Compromised : fraudster : XXXX XXXX XXXX XXXX XXXX location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX made deposits to the account from a Bank of America account. XXXX XXXX said that they suspect fraud the money was transferred by phone. and than returned because they could not collect debt of $ XXXX.paymentsDate Method Account Name Payment Account Confirmation Code Amount StatusPending PaymentsPayment HistoryXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal CheckingBANK OF AMERICA, NA ... XXXX XXXX {$12000.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX XXXX SavingsBANK OF AMERICA, NA ... XXXX XXXX {$11000.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal CheckingBANK OF AMERICA, NA ... XXXX XXXX {$8900.00} XX/XX/2015 Phone Platinum XXXX ... XXXX Personal CheckingBANK OF XXXX, NA ... XXXX XXXX {$5000.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal CheckingBANK OF AMERICA, NA ... XXXX XXXX {$8800.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal SavingsBANK OF AMERICA, NA ... XXXX XXXX {$4800.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal SavingsBANK OF AMERICA, NA ... XXXX XXXX {$4200.00} Paid \n Company chooses not to provide a public response Bank of America MO 641XX Servicemember Consent provided Web 05/22/2015 Closed with explanation Yes No 1382543
219145 05/19/2015 Debt collection Credit card Communication tactics Threatened to take legal action USAA Closed account fraud activity on credit card XXXX + said they did n't want to do business any more card was used for withdraw transactions deposits were made a By a XXXX XXXX from a phone number XXXX \n Company believes it acted appropriately as authorized by contract or law USAA Savings MO 641XX Servicemember Consent provided Web 05/19/2015 Closed with explanation Yes Yes 1382544
219207 05/19/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid On XXXX XXXX 2015, I had XXXX taken at the " XXXX XXXX of XXXX, XXXX. '' located in XXXX, XXXX On XXXX XXXX 2015, I received a bill for {$91.00} from the " XXXX XXXX XXXX XXXX XXXX XXXX '' agents for the XXXX XXXX XXXX XXXX XXXX On XXXX XXXX 2015, I paid the amount in full to the XXXX XXXX XXXX. \n\nYesterday, XXXX XXXX 2015, I received a phone call from a man named XXXX, employee of " Peter Roberts & Associates, Inc. '' He used the number ( XXXX ) XXXX. He claimed that I still owed {$91.00} for the XXXX I had taken. He was able to supply me with my home address, birth day, and the last XXXX digits of my social security number in order to verify the veracity of his claims. I still did n't believe him. So I called the XXXX XXXX XXXX 's medical billing department at XXXX XXXX XXXX XXXX and they confirmed that I paid my bill in full and on time. Then I called the XXXX XXXX XXXX at XXXX and they also confirmed that I paid my bill in full and on time. XXXX companies told me that they had no affiliation whatsoever with the company called Peter Roberts & Associates , Inc XXXX \n\nMy wife and I receive health insurance through XXXX XXXX XXXX, who was the victim of a XXXX on XXXX XXXX 2015. We suspect that Peter Roberts & Associates somehow received our identity information directly or indirectly through this attack. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Peter Roberts & Associates, Inc. CT 060XX Servicemember Consent provided Web 05/19/2015 Closed with explanation Yes No 1382632
219222 05/06/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine In XXXX XXXX of 2015 I received a postcard from Amsher Collection stating I owed Century Link {$290.00}. There was no other information given. I requested by mail a validation of this debt from Amsher. I have not received a validation. I received my credit report on XX/XX/2015. XXXX has placed a negative entry on my credit report. The entry states the date when placed on the report XX/XX/2015 and a balance of. {$290.00}. I do not owe XXXX XXXX any money. I do not know any dates associated with this account as none were given just that I owed it which I dont. \n Company believes it acted appropriately as authorized by contract or law Amsher Collection Services, Inc. OR 973XX Older American Consent provided Web 05/06/2015 Closed with explanation Yes No 1364019
219388 05/13/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid Paid the debt by Money order \n Company believes it acted appropriately as authorized by contract or law North American Credit Services MD 208XX Servicemember Consent provided Web 05/14/2015 Closed with explanation Yes No 1373945
219677 04/09/2015 Debt collection Credit card Communication tactics Frequent or repeated calls This company Atlantic Credit and Finance is calling me up to 5 times a day on my cell number. From phone number XXXX as well as calling my work phone number. They were never given permission to contact me at work, or harass me at my place of business. I find their multiple calls daily very harassing. I have blocked their number so now they call me at work. I have asked them to no longer call there either because I am not allowed to take personal calls at work. \n Company chooses not to provide a public response Atlantic Credit & Finance, Inc. TX 791XX Servicemember Consent provided Web 04/09/2015 Closed with non-monetary relief Yes No 1323810
219850 05/19/2015 Debt collection Medical Disclosure verification of debt Right to dispute notice not received I am XXXX military, I was listed as a primary on my daughters medical account for an urgent care visit she had in XXXX. Being XXXX, and having XXXX we have {$0.00} patient responsibility for any Emergency or Urgent Care visits, with or without referral. \nThe original debt claim was from XXXX XXXX XXXX from XXXX/XXXX/XXXX for my daughter, this debt was sold to SARMA Collections on XXXX. We have since moved from XXXX XXXX ( Early XXXX ) We never received notices from XXXX care that this debt was being submitted to SARMA, nor a notice from SARMA allowing us time to request proof of debt, so we could have properly disputed ... Never received a phone call, only a XXXX notice post marked XXXX/XXXX/XXXX stating it would report to our credit which it did on XXXX/XXXX/XXXX. \nI am upset and feel neglect because not only am I XXXX, and protected by the SCRA but HAD this agency, " SARMA '' done their proper research they would have NOT placed this on my credit, which is permanent. Instead they could have done more due-diligence to collect this in the proper way as a XXXX-party. \n Company believes it acted appropriately as authorized by contract or law Sarma VA 201XX Servicemember Consent provided Web 05/19/2015 Closed with explanation Yes No 1382939
220011 04/23/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I have repeatedly told this company I was not the originator of this contract. However, they have pulled my credit report without my approval telling me how much I can afford to pay them when I did not sign any contract with them for an alarm system. This have been going on for years battling I did not sign a contract for I was not living in the house I own but with my daughter in XXXX, Fl and my house is in XXXX, Fl. They have threaten me numerous times because I am a XXXX citizen I feel this company is trying to exploit me out of money by threats. They are calling up to XXXX times a day and I have asked them to not call my phone anymore but they continue to do so. \n Company chooses not to provide a public response Hillcrest Davidson & Assoc FL 331XX Older American Consent provided Web 04/23/2015 Closed with explanation Yes No 1343735
220109 04/23/2015 Debt collection Payday loan Taking/threatening an illegal action Threatened to sue on too old debt Called all of my family members they could find and gave them a number that is no longer in service. When I did receive there call personally they told me they were going to sue me for debt that I do n't owe and which is probably ten years old. They refused to take my lawyers information or give me any information to contact them. \n Company chooses not to provide a public response Cottonwood Financial Ltd. IL 611XX Servicemember Consent provided Web 04/23/2015 Closed with explanation Yes No 1343781
220600 05/20/2015 Debt collection Credit card Taking/threatening an illegal action Sued w/o proper notification of suit The company holding my debt served my father, at an address that I did not live at. I was unaware of the lawsuit and failed to attend the hearing. I was assessed an additional 25 %. I tried to talk to the company, but was told that my time to contest the lawsuit had passed ( even though I was never informed of the lawsuit ). \n\nI have been paying monthly ever since I was notified of the judgment, and do not get any kind of statement. Nothing that shows how much I paid that month, nothing that shows how my payment is applied, nothing that shows how much I still owe, and nothing that shows how much interest they are assessing! \n Company believes it acted appropriately as authorized by contract or law SUN FINANCE CO., LLC LA 704XX Servicemember Consent provided Web 05/20/2015 Closed with explanation Yes No 1384366
220842 04/10/2015 Debt collection I do not know Communication tactics Frequent or repeated calls Some keeps calling from Allied Interstate that I can barely understand asking me if my last XXXX of my SSN is XXXX. It is not me, and even if it was, I would absolutely never answer that question on the phone to someone who calls me claiming to be somebody. There are scams going on everyday with caller ID spoofs etc. This should be a crime or against some laws. I feel threatened that my identity is not safe etc. These kinds of collection tactics are extremely distasteful and useless. They need to use a better approach as anyone who would let them know their last XXXX of their SSN without verifying who they were giving it to on the phone is gullible. \n Company believes it acted appropriately as authorized by contract or law Allied Interstate LLC NJ 080XX Servicemember Consent provided Web 04/10/2015 Closed with non-monetary relief Yes No 1324795
221057 04/30/2015 Debt collection Credit card Communication tactics Frequent or repeated calls These are computer generated phone calls at least XXXX times a day even on saturdat.they leave me a message and have my last name spelled wrong.so then they say they are a consumer credit counseling co.and someone is trying to sue you.but when i called their number they answer as portfolio credit collection agency lying about who they are.i am on social security XXXX and are being treated by a XXXX from the veterens adm.for XXXX XXXX and the constant phone calls are making it difficult to get better \n Company chooses not to provide a public response Credit Protection Association, L.P. MO 631XX Older American, Servicemember Consent provided Web 05/01/2015 Closed with non-monetary relief Yes No 1354367
221145 05/20/2015 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Contacted employer after asked not to XXXX from Kay Jewlers contacted my employer about my debt and disclosed personal information about the debt in an attempt to collect it. \n Company believes complaint is the result of an isolated error Sterling Jewelers Inc. CA 953XX Servicemember Consent provided Web 05/20/2015 Closed with explanation Yes No 1385150
221208 04/10/2015 Debt collection Medical False statements or representation Attempted to collect wrong amount Company contacted me in mid XXXX. They implied that I had XXXX days before they would notify the credit rating bureaus. I explained that I was still disputing the medical bill with the hospital. \nI called to pay off the amount in full on XXXX XXXX 2015. They then informed me that they had notified the credit bureaus on XXXX XXXX. This tactic caused my credit rating to drop XXXX points, even though the amount was fully paid off within the implied XXXX day period. \n Company chooses not to provide a public response Alliance Collection Agencies, Inc. WI 545XX Older American Consent provided Web 04/10/2015 Closed with non-monetary relief Yes No 1325009
221313 05/20/2015 Debt collection Medical Communication tactics Frequent or repeated calls My younger brother has a habit of giving my address and phone number when he goes to the hospital. This has happened sporadically in the past. I do not know his present address of phone number. \n\nAbout a little more than a month ago I had a call left on my answering machine from HHGR, Healthcare Revenue Recovery Group. LLC saying they were trying to collect a debt. I deleted the massage. \n\nAbout three weeks ago, the same message was left on my answering machine with the same message. I called the number and explained to them that the phone number they were calling was not my brother 's number. I also explained that I do not have any information about where he lives of a phone number for him. They assured that I would not be contacted again. \n\nOn XXXX, XXXX/XXXX/2015, a call was left on my answering machine from HRRG saying they were calling to collect a debt. Since HRRG 's representative I talked to assured me that I would not be contacted again by them, I consider the last call from them nothing more that harassing a third party. \n Company chooses not to provide a public response HCFS Health Care Financial Services, Inc. FL 341XX Older American, Servicemember Consent provided Web 05/20/2015 Closed with explanation Yes No 1384434
221451 04/30/2015 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Contacted me instead of my attorney XXXX collector calls on Sunday XX/XX/2015 and threatens me about a XXXX account. I asked who he was and he said third part representing XXXX XXXX never identified himself. Just went into a statement that they would put this on my credit report. XXXX phone call on Tuesday XXXX XX/XX/2015 XXXX name as XXXX with XXXX out of Washington. said account was just received in there office on Friday. I never received any mail stating they represent XXXX today is XX/XX/2015 and still no letter. \n Company chooses not to provide a public response Receivables Performance Management LLC TX 752XX Older American Consent provided Web 04/30/2015 Closed with explanation Yes Yes 1355993
221656 04/17/2015 Debt collection Mortgage Taking/threatening an illegal action Seized/Attempted to seize property Branch Bank & Trust of XXXX a deposit and lending institution was provided a deed of trust in XXXX of {$250000.00} for several real properties to include XXXX commercial lots with a XXXX sq/ft commercial building, XXXX XXXX XXXX XXXX residential rental homes and approximately XXXX acres of land. The loan started in XXXX with XXXX residential rental house, when additional homes were remodeled additional loans were secured. Loan to value have always exceeded amounts borrowed. A checking and savings account was maintained at the BB & T branch office in XXXX, XXXX ; XXXX XXXX was account manager. XXXX XXXX would continuously harass XXXX XXXX co/note holder about payments and would come to the commercial property where she operated her business activity unannounced and publicly threaten to seize the property through foreclosure and add additional fees until she could not pay and they " BB & T '' would claim the property. On XXXX occasion XXXX XXXX publicly threatened XXXX XXXX when she was making a deposit at the BB & T situated at corner XXXX XXXX XXXX XXXX. and XXXX XXXX " in front of other BB & T employees and customers. When time for the account to be renewed ( balloon payment ) the interest rate was increased when the prime rate was continuing to decline. This pattern has continued throughout this lending/borrow relationship. XXXX XXXX was subsequently transferred or moved to another position. Then, the administrative note communication with me started via phone call from BB & T office in XXXX. I was informed " all note payments were to be made to BB & T Asset Management division in XXXX, when previously all note payments were made at the local offices. My most recently interactions were with BB & T associate XXXX XXXX of the XXXX office. XXXX XXXX also informed me after I sent a note payment to the address on the invoice from BB & T that the new requirement was to send all payments directly to her, she was the only account manager authorized to receive payment. She could also transfer funds directly from my bank account with my permission to expedite payment ). The note was required to be renewed in XXXX, all properties securing debt remained unchanged from previous periods when note was renewed, XXXX XXXX required appraisals on all properties ; additionally I was informed by XXXX XXXX that I could not receive copies of any appraisals until I had paid for them in full ( this included both single family residential and commercial properties. After further request, copies of residential appraisals were sent to me via email the day before the note was renewed. XXXX XXXX informed me that the note would be in default and she would initiate legal action to foreclose. Copies of commercial appraisals were not provided, additional appraisal cost were considered due immediately and added to amounts currently due. XXXX XXXX continued to call me daily both on my cell phone and at home. When speaking with XXXX XXXX, ( XXXX XXXX thru XXXX XXXX ) she continued to threaten legal action. In XXXX, XXXX XXXX XXXX caused funds to be debited from my bank account without my permission resulting in overdrafts. XXXX XXXX informed me she could not return the funds directly to my account and would send a check, several days later my account was credited with the amount debited, however overdraft fees were not included. I subsequently mailed a payment to XXXX XXXX. Additionally, a check was drafted by me in XXXX XXXX and sent directly to XXXX XXXX for {$3700.00} ( this amount was adequate for XXXX note payments ). I have not received and phone call from XXXX XXXX since XXXX XXXX after she left a voice mail stating she would return the funds. Recently, ( XXXX XXXX, XXXX ) I received written communication from an attorney representing BB & T demanding access to properties for additional appraisal. \n Company chooses not to provide a public response BB&T Financial NC 283XX Older American, Servicemember Consent provided Web 04/28/2015 Closed with explanation Yes Yes 1334569
221680 05/07/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid The original bill from XXXX XXXX XXXX was for XXXX XXXX for my son. It was sent to my ex-husband, and I was not aware that it existed until it was sent to collections and popped up on my credit report in XXXX of XX/XX/2012 At that time, I contacted the collection agency to find out what this bill was for, as that was the XXXX time that I had been made aware of it. Because no one ever bothered to inform me that the bill existed, they gave me 30 days to pay the bill in full -- which I did -- and then they removed it from my credit report. I thought the issue was resolved at that time. \n\nNow, XXXX years later, it appears that the original collection agency sold the debt to a different collection agency ( XXXX XXXX XXXX ), who is now attempting to extort money out of me for a bill that I have already paid. They are telling me that I need to pay this bill in full within 30 days if I want it taken off my credit report. \n Company believes it acted appropriately as authorized by contract or law Professional Placement Services, LLC IL 617XX Servicemember Consent provided Web 05/11/2015 Closed with explanation Yes Yes 1364628
221744 04/23/2015 Debt collection Mortgage Communication tactics Called outside of 8am-9pm United Security Financial Corp continues to call us XXXX and XXXX times a day re guarding our mortgage. They also keep calling up at XXXX when we 've told them XXXX times we live in California. \nWe 've asked them to stop called so frequently as we are getting together the paperwork requested. \n Company believes complaint represents an opportunity for improvement to better serve consumers United Security Financial Corp CA 921XX Servicemember Consent provided Web 04/29/2015 Closed with explanation Yes No 1344624
221776 05/07/2015 Debt collection Other (i.e. phone, health club, etc.) Taking/threatening an illegal action Sued where didn't live/sign for debt I received a loan from US Discounters ( now referred to as USA Living ) in XX/XX/XXXX, I also purchased a debt protection plan, I was discharged from XXXX XXXX and became XXXX to work in XX/XX/XXXX, the company did n't has n't properly granted me relief of the debt under the debt protection clause I purchased with loan. The company is reporting a collection suit on my credit report for a debt. \n Company believes it acted appropriately as authorized by contract or law USA Discounters, Ltd. DE 199XX Servicemember Consent provided Web 05/11/2015 Closed with explanation Yes Yes 1364662
221777 05/07/2015 Debt collection Other (i.e. phone, health club, etc.) Taking/threatening an illegal action Sued where didn't live/sign for debt I received a loan from Military Credit Services in XX/XX/XXXX, I purchased a debt protection clause with the loan that would grant me relief of the debt if I was discharged for medical reasons. I was discharged in XX/XX/XXXX and found XXXX service connected XXXX. The company failed to grant me the relief as stated in the debt collection clause of the loan and has sued and reported a judgement on my credit report as well as reporting a collection lawsuit for the same loan. \n Company believes complaint relates to a discontinued policy or procedure Ballybunion Enterprises, Inc DE 199XX Servicemember Consent provided Web 05/07/2015 Closed with explanation Yes No 1364663
221933 04/24/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid An agent of XXXX XXXX XXXX ( Enhanced Recovery Company , LLC ) place place a negative claim in my credit bureau record for an amount of {$300.00}. The negative claim resulted from the following. In XXXX 2013, I changed my XXXX XXXX XXXX home-phone service from analogue to digital and separated the billing for my wireless phone service from the billing for home phone. The combined billing account was closed as XXXX XXXX XXXX now bills me separately for UVERSE ( TV, home phone, and internet ) and wireless phone/data. Apparently, this change caused some confusion at XXXX XXXX XXXX and resulted in the XXXX XXXX XXXX claim that I still owe money under the combined billing account. I emailed the XXXX XXXX XXXX customer service to get the account straightened out, but they passed me from XXXX department to another but none of the departments has all the information needed to resolve the problem. I wrote a letter to XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/2013 requesting that they assign the case to someone that can have access to all the information needed to resolve the matter. A copy of the letter and the response from XXXX XXXX XXXX dated XXXX/XXXX/2013 are attached. As you can see from the attachment, all that XXXX XXXX XXXX did was provide me a meaningless standard response. XXXX XXXX XXXX has tried several times previously to use the collections system to bully me into paying them an amount of {$300.00} that I do not owe to XXXX XXXX XXXX. I requested XXXX and each of the several collection agencies that XXXX XXXX XXXX used at different times to provide me an itemized list of what led to the debt that XXXX XXXX XXXX claims against me, but nothing was provided to me. \n Company believes it acted appropriately as authorized by contract or law ERC TX 782XX Older American Consent provided Web 04/24/2015 Closed with non-monetary relief Yes Yes 1345256
222362 05/07/2015 Debt collection I do not know Disclosure verification of debt Not given enough info to verify debt I have been monitoring my credit since a XXXX XXXX incident last year. All of a sudden a {$0.00} amount shows up:XXXX \nXXXX {$0.00} XXXX. XXXX, XXXX current debts have been addressed. This may be an attempt to collect a debt that is past the 7 years statute of limitation in Georgia. I deny having any outstanding debt to this company. I have had no communications with them. I challenge the company to provide proof / original documents. \n Company chooses not to provide a public response Holloway Credit Solutions GA 303XX Servicemember Consent provided Web 05/07/2015 Closed with explanation Yes No 1366146
222686 04/24/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received First and foremost, this company never provided me the written notice I requested after initially being contacted around XXXX 2014. Their agent stated all calls are recorded and monitored and at that time assured me HE WAS LOOKING AT THE TRACKING NUMBER but never provided said number. I did not recieve the notice he states he sent out in order to respond in writing as the validity of the debt. I only paid it bc I was closing on my house and was assured it would be removed from my report. Not because I thought I legally owed the debt, but rather it seemed easier than losing my dream home. After the debt was paid, the company agreed to remove ( both original creditor comcast and stellar recovery ). However, they refuse to provide tapes on either occurance to verify and stated they would never do so even if I requested them in writing. All of these conversations have been taped according to them. \n Company believes the complaint is the result of a misunderstanding Stellar Recovery Inc. TX 762XX Servicemember Consent provided Web 04/24/2015 Closed with explanation Yes No 1345572
222924 05/13/2015 Debt collection Non-federal student loan Disclosure verification of debt Not given enough info to verify debt On XXXX/XXXX/XXXX CACH , LLC sent someone to the house I live in, and delivered a complaint summon for an old debt lawsuit. They said XXXX XXXX XXXX assigned the debt collection to them. The summon looked fishy because it did not have a file case number on it. I called the Superior court in XXXX, WA, and the clerks told me I could not file my answer to CACH , LLC ' complaint because there was no file case number to file it under. I had only 20 days to sent my Answer to CACH , LLC in XXXX. I sent my Answer and request for debt verification, and validation with requests for proof of ownership of debt, chain of assignment, the contract between XXXX XXXX XXXX and CACH , LLC on XXXX/XXXX/XXXX. CACH , LLC received the certified mail on XXXX/XXXX/XXXX. \n\nI wait for CACH , LLC while I checked nearly everyday Superior court record for a file case number for nearly four month. I was very sick and waiting for XXXX, so I was focusing on my health. I forgot about CACH , LLC I thought they drop the lawsuit because they ignore my request for debt information, and they never sent me anything that I asked for. \n\nOn XXXX/XXXX/XXXX my roommate handled me a letter from CACH , LLC. It was confusing letter because it listed dates for a court trial on XXXX/XXXX/XXXX ... A year away. This letter had a file case number on it dated XXXX/XXXX/XXXX. There was no words about them winning a default judgment against me. I found out about the default judgment my calling the Superior court with the file case number, and the clerk told me, yes, CACH , LLC got a default judgment on me. I filed my Answer, Motion to Vacate, and evidence, and file a counterclaim under the file case number on XXXX/XXXX/XXXX. CACH , LLC was not suppose to file default judgment without providing supported proof, and complete evidences of ownership of debt collection right, contract between XXXX XXXX XXXX, and between me to pay them, ect. \n\nI want you to go after CACH , LLC for violations FDCPA, and XXXX consumer fraud laws. CACH , LLC used unfair, misleading statements, ignore my request to show proof of debt, ownership of debt, and right to collect payments, fees on debt, and right to bring sue and get a default judgment without a contract. Contract terms to fees, interest, ect. CACH , LLC quickly put the default judgment on public record because another lawyer contact me to offer help with bankruptcy filing. \n\nI only have a small veteran pension, so that is judgment proof, but the judgment has now hurt my credit ratings again. I told CACH , LLC this in my Answer. I want you to charge CACH , LLC old debt buyers heavy fines for violations, request them to remove any public and private default judgment on credit bureaus records, forbid CACH , LLC from selling my account information to other debt buyers, and have them remove any bad inquiries off all credit bureaus, and encourage them to pay me counterclaim fees for fraud, misrepresentations, wrongful lawsuit, and damaging character image with wrongful default judgment. \n\nI want you to sue them, collect my violation fees, and remove the default judgment from all public and private credit records since they got it through fraud. I filed for Motion To Vacate on XXXX/XXXX/XXXX. Our court date is on XXXX/XXXX/XXXX. \n Company chooses not to provide a public response SquareTwo Financial Corporation WA 980XX Servicemember Consent provided Web 05/13/2015 Closed with explanation Yes No 1374525
222925 05/13/2015 Debt collection Non-federal student loan Disclosure verification of debt Not given enough info to verify debt On XXXX/XXXX/XXXX XXXX XXXX XXXX sent someone to the house I live in, and delivered a complaint summon for an old debt lawsuit. They said Bank of America assigned the debt collection to them. The summon looked fishy because it did not have a file case number on it. I called the Superior court in XXXX, XXXX, and the clerks told me I could not file my answer to XXXX , XXXX ' complaint because there was no file case number to file it under. I had only 20 days to sent my Answer to XXXX , XXXX in XXXX. I sent my Answer and request for debt verification, and validation with requests for proof of ownership of debt, chain of assignment, the contract between Bank of America and XXXX , XXXX on XXXX/XXXX/XXXX. XXXX , XXXX received the certified mail on XXXX/XXXX/XXXX. \n\nI wait for XXXX , XXXX while I checked nearly everyday Superior court record for a file case number for nearly four month. I was very sick and waiting for surgery, so I was focusing on my health. I forgot about XXXX , XXXX I thought they drop the lawsuit because they ignore my request for debt information, and they never sent me anything that I asked for. \n\nOn XXXX/XXXX/XXXX my roommate handled me a letter from XXXX , XXXX. It was confusing letter because it listed dates for a court trial on XXXX/XXXX/XXXX ... A year away. This letter had a file case number on it dated XXXX/XXXX/XXXX. There was no words about them winning a default judgment against me. I found out about the default judgment my calling the Superior court with the file case number, and the clerk told me, yes, XXXX , XXXX got a default judgment on me. I filed my Answer, Motion to Vacate, and evidence, and file a counterclaim under the file case number on XXXX/XXXX/XXXX. XXXX , XXXX was not suppose to file default judgment without providing supported proof, and complete evidences of ownership of debt collection right, contract between Bank of America, and between me to pay them, ect. \n\nI want you to go after XXXX , XXXX for violations FDCPA, and XXXX consumer fraud laws. XXXX , XXXX used unfair, misleading statements, ignore my request to show proof of debt, ownership of debt, and right to collect payments, fees on debt, and right to bring sue and get a default judgment without a contract. Contract terms to fees, interest, ect. XXXX , XXXX quickly put the default judgment on public record because another lawyer contact me to offer help with bankruptcy filing. \n\nI only have a small veteran pension, so that is judgment proof, but the judgment has now hurt my credit ratings again. I told XXXX , XXXX this in my Answer. I want you to charge XXXX , XXXX old debt buyers heavy fines for violations, request them to remove any public and private default judgment on credit bureaus records, forbid XXXX , XXXX from selling my account information to other debt buyers, and have them remove any bad inquiries off all credit bureaus, and encourage them to pay me counterclaim fees for fraud, misrepresentations, wrongful lawsuit, and damaging character image with wrongful default judgment. \n\nI want you to sue them, collect my violation fees, and remove the default judgment from all public and private credit records since they got it through fraud. I filed for Motion To Vacate on XXXX/XXXX/XXXX. Our court date is on XXXX/XXXX/XXXX. \n Company chooses not to provide a public response Bank of America WA 980XX Servicemember Consent provided Web 05/13/2015 Closed with explanation Yes No 1374526
222976 04/24/2015 Debt collection I do not know Disclosure verification of debt Not given enough info to verify debt Have been turned over to collection on a debt that I do not recognize. Repeated requests for details ignored. Research indicates the originating company is a " internet get rich quick '' type scam. But I am not furnished any details. \n\n\nXXXX XXXX CR CO COLLECTION ACCOUNTORIGINAL CREDITOR : XXXX AFFILIATE INCOME INCACCT INFO DISPUTED MEETS FCRA UnknownLoanType Open TransUnion \n Company believes it acted appropriately as authorized by contract or law Conrad Credit Corporation CO 800XX Older American Consent provided Web 04/24/2015 Closed with explanation Yes No 1345714
223133 05/14/2015 Debt collection Medical Taking/threatening an illegal action Sued w/o proper notification of suit I entered into a payment plan with XXXX XXXX on XX/XX/XXXX. I received regular bills every month up to and including XX/XX/XXXX. I never received another bill or letter after this. No attempt was made to contact me either by mail or phone. I received letter from Revenue Recovery Corporation on Monday XX/XX/XXXX stating this account had been placed in collection.I called XXXX XXXX on Tuesday XX/XX/XXXXand was told that the account was set up on a payment plan in XX/XX/XXXX and that they had sent a letter in XX/XX/XXXX and XX/XX/XXXX which I never received. The account was put into collection in XX/XX/XXXX according to them. I have all statements that were sent from XX/XX/XXXX to XX/XX/XXXX along with cancelled checks. \n Company chooses not to provide a public response Revenue Recovery Corporation TN 379XX Servicemember Consent provided Web 05/14/2015 Closed with explanation Yes No 1375181
223388 05/14/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Impersonated an attorney or official number is XXXX in XXXX arizona. claims he is a XXXX and associated with XXXX. threatens to take drivers license, arrest me and other family members. has called every XXXX of my relatives harrasing them. extremely threatening and rude. uses strong arm tactics and attempts to gather personal and sensitve information. threatened my grandmother with arrest and legal action. \n Company disputes the facts presented in the complaint Recovery Partners, LLC CA 947XX Servicemember Consent provided Web 05/15/2015 Closed with explanation Yes No 1375243
223476 04/30/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount CBS ( debt collector ) is charging a 35 % collection fee that is prohibited in the State of Tennessee. Tenn.Code Ann. XXXX " Collecting or attempting to collect from the debtor any fee, commission or other compensation not provided by law for collection services rendered to a client ... '' XXXX XXXX XXXX XXXX XXXX ( creditor ) has assured me that they are not trying to collect interest or any other fees, only the amount owed ( {$8600.00} ). I have asked CBS to itemize the {$3000.00} in writing and they refer me back to XXXX XXXX XXXX XXXX XXXX and to my original agreement. The original agreement allows the bank to collect interest, attorney and court fees to the extent the law will allow. Section 808 ( 1 ) of the FDPCA allowed the addition of collection fees when " such amount is expressly authorized by the agreement creating the debt or permitted by law. '' I have spoke with XXXX XXXX regarding the {$3000.00} who advised me that is it a 35 % collection fee of the balance owed ( {$8600.00} ). \nThis collection agency has had all the information needed to collect on this account. This account was referred to them in XXXX of 2012, and they have not attempted to collect this debt. The {$3000.00} is a collection fee charged by CBS not XXXX XXXX XXXX XXXX union and these fees where not agreed upon at the time the debt was acquired. \n Company believes it acted appropriately as authorized by contract or law Credit Bureau Systems, Inc. GA 313XX Servicemember Consent provided Web 04/30/2015 Closed with explanation Yes Yes 1355250
224005 04/11/2015 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect Back a while I had gotten a payday loan. My bank account info had been compromised by someone. I made a report to the FTC regarding it. I had to make a few changes to my account and payments being made from it. I became delienquit with my payments. I received a call from a XXXX XXXX claiming to be from XXXX. He stated that they were after persons who were defrauding theses payday loan companies. Since my account was considered delienquit, they had my account info. If I paid the Out Of Court Restitution it would be done. I made XXXX payments before I noticed something 's in the paperwork that did n't seem quite right. I just need to know if the documents I have are legit or have I been had? Thanks! \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Enova International, Inc. MD 207XX Servicemember Consent provided Web 04/11/2015 Closed with explanation Yes No 1326243
224115 04/11/2015 Debt collection I do not know Communication tactics Frequent or repeated calls I have received repeated calls from this Malcom S Gerald & Associates. Every time I call them back, they do not answer and I have yet to speak to a live person. \nThey have been calling many times and never leave a voice message. I do not know who this company is or why they are contacting me as I have never received anything in writing from them. \n Company believes it acted appropriately as authorized by contract or law Malcolm S. Gerald and Associates, Inc. NJ 080XX Servicemember Consent provided Web 04/22/2015 Closed with explanation Yes Yes 1326281
224222 04/30/2015 Payday loan Payday loan Can't contact lender Can't contact lender I continue getting calls from different people claiming I still owe cash call {$2500.00}. I paid off that debt to a reputable law office. The scammers keep saying they have papers to serve me. Their number is XXXX, XXXX XXXX. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company CashCall, Inc. VA 201XX Servicemember Consent provided Web 05/05/2015 Closed with explanation Yes Yes 1355949
224563 04/12/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt resulted from identity theft a charge from XX/XX/XXXX for comcast cable was proven in XX/XX/XXXX to be an ID theft charge and was finally dismissed. Well now sterler or steller resources recovery is now again trying to recover payment for this debt and filed on my credit report that I owe this charge. I do not know what there problem is or if it is XXXX. But i am sick and tired of this, please help \n Company believes it acted appropriately as authorized by contract or law Stellar Recovery Inc. FL 325XX Servicemember Consent provided Web 04/12/2015 Closed with explanation Yes Yes 1326470
224618 04/24/2015 Debt collection I do not know Disclosure verification of debt Not given enough info to verify debt Stallings Financial sent me a letter stating I owed them money in late XX/XX/XXXX I en turn wrote them within 30 days to validate the debt. I never received any correspondence from Stallings validating the debt. I sent another letter in XX/XX/XXXX stating I had not received any validation of the debt. Stallings Financial sent a letter dated XX/XX/XXXX stating my dispute was frivolous. I have not received any documentation stating the debt is valid. \n Company believes it acted appropriately as authorized by contract or law Stallings Financial Group, Inc. GA 300XX Servicemember Consent provided Web 04/24/2015 Closed with explanation Yes Yes 1346325
224633 04/17/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine I am XXXX XXXX XXXX XXXX and XXXX XXXX veteran and have lived at my address since XX/XX/XXXX. divorced from XXXX XXXX XXXX XXXX XX/XX/XXXX in XXXX XXXX a few years ago bills from my ex for which I have no connection, bills were created after my divorce, were being sent to my family in XXXX XXXX, he has never lived at that address. they stopped sending them there. Now Bills are appearing at my current address. He had never lived here in fact I purchased the house after 8 years after my divorce in XXXX. I do not understand why these people continue to torment me when I have nothing to do with this person. I do n't know where he lives or anything about him. XXXX I received mail from XXXX XXXX XXXX # XXXX who bought the {$15000.00} debt from XXXX XXXX ... .**************** now I received mail from First National Collection Bureau XXXX # XXXX. I think for me a XXXX vet with XXXX ... this breach of my privacy is unconscionable. he has no connection to me and I feel violated \n Company believes it acted appropriately as authorized by contract or law First National Collection Bureau, Inc. FL 346XX Servicemember Consent provided Web 04/17/2015 Closed with explanation Yes No 1335613
224966 04/13/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid Debt was paid in XX/XX/XXXX the month it occurred, but keep getting bills and now from Collection agency. Now saying that I showed proof after the bill was sent to Collection Agency. the bill was paid in XX/XX/XXXX and received a notice from Collection Agency in XX/XX/XXXX. \n Company disputes the facts presented in the complaint The Nguyen Law Firm, PLC VA 224XX Older American, Servicemember Consent provided Web 04/13/2015 Closed with explanation Yes No 1327059
225126 05/14/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Frequent or repeated calls constant robo calling \n Company disputes the facts presented in the complaint Financial Recovery Services, Inc. FL 335XX Older American Consent provided Web 05/14/2015 Closed with explanation Yes No 1375699
225129 05/28/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine ProCollect has an incorrect line item on my credit report with XXXX that I disputed in 2011 and they refuse to remove it. The person 's name is XXXX XXXX ... that is NOT my name. \nProcollect , Inc. \nXXXX XXXX XXXX XXXX, XXXX XXXX, Texas XXXX mapOffice : XXXX or XXXXXXXXFax : XXXXXXXXCorrespondence to Collectors : XXXXXXXXCorporate DirectoryXXXX XXXX - PresidentXXXX XXXX - Vice President / Director of Recovery OperationsXXXX XXXX XXXX Client Services ManagerXXXX XXXX - IT Department Manager \n Company chooses not to provide a public response ProCollect, Inc GA 300XX Older American Consent provided Web 07/01/2015 Closed with explanation Yes No 1395130
225210 05/20/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine This debt has shown up on my credit report ( see attached communications ) It is not my debt and Ihave followed all the proper steps under the Fair Debt Collection Practices Act, 15 USC 169g Sec 809 ( b ). The collection agency has failed to respond and the debts still appear on all three credit bureaus as a collections debt. We were recently denied a mortgage loan due to these being erroneously placed on my credit reports. \n Company believes it acted appropriately as authorized by contract or law RS Clark and Associates, Inc. AZ 857XX Servicemember Consent provided Web 05/27/2015 Closed with explanation Yes No 1385669
225226 05/01/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt was paid Nationwide Credit INC. called to say if i paid of my debt within a certain time frame that XXXX XXXX would reinstate my credit card and that my credit would show an active account. They took my money and my credit report states my XXXX XXXX account was charged off negatively effecting my credit. They lied from the very XXXX time they called and now when i call they cant access my account and the managers are always on break. \n Company believes it acted appropriately as authorized by contract or law Altisource Portfolio Solutions, S.Ã r.l. FL 342XX Servicemember Consent provided Web 05/01/2015 Closed with explanation Yes No 1356307
225318 04/18/2015 Debt collection I do not know Communication tactics Frequent or repeated calls For 3 years Allied Interstate has been calling for an unknown person to me, XXXX XXXX, and will not stop with the calls no matter how many times they have been told to remove our phone number. Speaking to a supervisor does not help either. I am told they are sorry and will stopand then the calls happen again and again every day, several times a day, morning or night. They are making our lives a living hell even with a answering machine. \n Company believes complaint represents an opportunity for improvement to better serve consumers Allied Interstate LLC PA 156XX Older American Consent provided Web 04/18/2015 Closed with non-monetary relief Yes No 1336194
225441 04/18/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine I am a XXXX veteran. After XXXX XXXX destroyed the VA hospital, we were advised to seek emergency treatment at the nearest facility and we will be reimbursed. In XXXX XX/XX/2011, I used XXXX Ambulance service to rush me to the nearest hospital, and my family and I advised them that VA was my only insurance. They failed to submit a claim to VA and put me in collections. during the 2 year period they had to submit a claim, they nor their collection agency never called me. I assume is because they can get away with billing me over {$XXXX}. But, they could only bill VA a minimal amount. I recently requested that they submit the request for payment with the VA, the XXXX Representative declined to respond. I believe this is a deceptive practice aimed at getting more money from the patient, then the government. \n Company chooses not to provide a public response Louisiana Recovery Services Inc. LA 700XX Servicemember Consent provided Web 04/18/2015 Closed with explanation Yes No 1336231
225578 04/19/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt resulted from identity theft About three months ago I opened a Email saying that there was a problem with my account with XXXX and that I need to sign on my account to verify my balance and other things, my BIG error was that I clicked on a link on that same email and tried to log on my acc. obviously they collected that info and on that moment a message appeared saying that I could not sign on a show me some challenge questions, still I could not sign in because it was not a real website, OMG, that was how they got a hold on my info and identity, I do n't know at what extent o how much info they could get. now, today XXXX/XXXX/2015 I got a account statemen from RGS Financial Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX TX. XXXX XXXX XXXX, stating that I owe XXXX, RE : XXXX XXXX {$150.00} Dls. demanding its payment, and I am scared because I feel that this is only the beginning, XXXX knows what else they will be trying, so here I am on my knees praying to XXXX and you guys to help me as much as you can. thank you for your assistance. \nP.S. I was always on time with my payments to XXXX XXXX XXXX and never received any notice of delincuency on my payments. thanks. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company RGS Financial, Inc. NV 891XX Older American Consent provided Web 04/22/2015 Closed with non-monetary relief Yes No 1336270
225695 05/01/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid What happened to me is almost verbatim what is described in XXXX v. XXXX XXXX XXXX filed in Florida XXXX District Court. I switched from a reliable internet provider because XXXX was offering a higher speed ( XXXX ) for less money. What they did n't tell me was that the outdated lines in my neighborhood could n't support the speed that they had promised. For six months I struggled by with speeds between XXXX and XXXX, usually much closer to the XXXX which was completely unusable. I called XXXX 's tech support line numerous times with no relief. During that time, XXXX was being auto-paid directly from my bank account in full and on time each month. After six months, I had to cancel and switch back to a reliable provider. After termination, XXXX continued to bill me for another month before I was able to terminate the auto-pay. They then sent me a {$200.00} termination bill which I refused to pay since my termination was only due to XXXX 's inability to provide the service. I have tried to resolve this issue directly with XXXX to no avail. Their stance is that they provided me service at a reduced price for six months and are entitled to a termination fee. What I have pointed out and they seem unwilling to consider is that the " service '' that they provided during the six months was significantly reduced over what was promised. They charged me an extra month for which they were providing no service. And, the account was only terminated because of their inability to provide the agreed upon service. If anything, I should be sending XXXX a bill. \n Company can't verify or dispute the facts in the complaint Stellar Recovery Inc. CO 802XX Servicemember Consent provided Web 05/01/2015 Closed with explanation Yes No 1356504
225737 04/19/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid As a result of a dispute over services owed with XXXX ( That is a separate issue ) I received a Debt Validation Notice from XXXX, XXXX and XXXX ( XXXX ) ( Exhibit A ) giving me several options to resolve my account. The original amount XXXX claimed I owed was {$71.00}. I opted for option # XXXX which was a XXXX time payment of {$49.00}. I paid this amount to XXXX on XX/XX/XXXX as evidenced by my bank statement ( see item highlighted on Exhibit B page XXXX of XXXX. This was to have resolved the issue and removed the collection account from my credit report. On XXXX XXXX I received a collection notice from Receivables Performance Management ( RPM ) ( Exhibit C ) stating that I had an amount due of {$21.00} on my XXXX account. This amount is the difference between the {$71.00} XXXX claimed I owed them and the {$49.00} I paid to XXXX back in XXXX. It is my understanding and XXXX that when I paid the {$49.00} that my obligation with XXXX had been settled. I did file a dispute with XXXX, a credit bureau, and they informed me ( Exhibit D ) that XXXX claims this account still to be in collection. Further RPMhas called me and was extremely belligerent when I attempted to explain that the debt had been settled and threatened that I would be subject to further action. \n Company chooses not to provide a public response Receivables Performance Management LLC VA 221XX Older American, Servicemember Consent provided Web 04/19/2015 Closed with explanation Yes Yes 1336318
225765 05/14/2015 Debt collection Credit card Disclosure verification of debt Not given enough info to verify debt On Friday XXXX XXXX I signed on to the online banking to check my account when I noticed that my savings balance and available balance were XXXX different figures. I called the bank immediately and was told there was a court restraint on my account. I asked what this meant and I was given a collection agency to call ( Selip and Stylianoup ) to get assistance. I called the collection agency and was told they had a judgment against me from XX/XX/XXXX in my maiden name. I asked for some kind of information about this so I could check into it. The name is my maiden name and my address was wrong. All I was provided was the account was opened in XX/XX/XXXX and that the court awarded them a judgement in XX/XX/XXXX. This was the first time I heard of this, I even asked if she was sure it was me and not my ex husband. She asked if I had an attorney to speak to which I did n't. They had put a hold on my savings account in the amount of {$1900.00} but the judgment I finally got a copy of shows the amount of {$1700.00} and there is actually due {$1300.00} but I was n't given anything to back up this claim. The agent explained that she will send a form to the bank for me to sign which will allow the bank to send them the money and release the hold on my account. She insisted I do this quickly because the hold will stay on my account and I wo n't be able to use my bank. I was so scared I went ahead and went to the bank to sign this form. I am curious though why the judgment had XXXX amounts on it and they took even more money. I have enclosed all the forms I have. \nThank you \n Company disputes the facts presented in the complaint Selip & Stylianou, LLP NY 125XX Servicemember Consent provided Web 05/15/2015 Closed with explanation Yes Yes 1375915
225773 04/19/2015 Debt collection Credit card Disclosure verification of debt Right to dispute notice not received Upon application for mortgage, XXXX XXXX informed me of a bad debt on my credit report from Bank Of America ( BoA ). I have no accounts with BoA. I called BoA who stated I had a past due balance of {$360.00} on a credit card account. I told BoA I did not have a credit card with them and asked for more details. The BoA customer service rep stated that my current statement showed a past due balance of {$360.00}. I reiterated that I do not have a credit card with BoA. I then asked when the account was opened, when the charges were made, and by whom. The rep stated that he did not have access to that information and transferred me to another department, at which time I was disconnected from the system. I called back. Different rep. Went through the whole story again. Rep tried to transfer me to a different department. I declined and requested documentation/verification of the debt be sent to me in writing. I provided my current address. Rep said would send verification and I should receive it in 7-10 days. Never received it. Called back a few weeks later, same drill, same promise to send documentation through the mail. I still have not received it. Called again yesterday. Yesterday the rep " XXXX '' informed me that he had to transfer me to the Fraud division because the name on the account in question does not match my social security number. Transferred to me to " XXXX '' in the Fraud division. " XXXX '' asked me many demographic questions to verify my identity then told me privacy rules prohibited her from giving me information about the account since it was not in my name. I then asked XXXX to remove the information from all XXXX credit bureaus until BoA sorted out their issues. XXXX denied my request as she claimed not to have the authority to update the credit bureaus. She stated the fraud investigation would take approx 30 days. I told her this was unacceptable as I was in the mortgage underwriting process and BoA needed to take care of the situation. I again requested verification/documentation of the debt on my credit report as I had nothing in writing from BoA as of this date. Citing privacy concerns again, " XXXX '' transferred me to another department, where I was promptly disconnected. Called back. Got " XXXX ''. Explained the situation to XXXX. XXXX unable to help. Transferred me to " XXXX ''. Explained the situation to XXXX. XXXX explained she was unable to help. Requested XXXX send me documentation of the account, the charges, and status of account. XXXX only had access to XXXX and XXXX statements and agreed to send them to me even though they did not contain data about when acct was opened, what the charges were, or when the charges were incurred. I asked her to transfer me to someone who could provide that information. XXXX transferred me to another dept where I was promptly disconnected ( again ). \n\nI have made numerous attempts to obtain verification of this debt with BoA and they simply can not /will not comply. I can not file disputes with the credit bureaus at this juncture because I can not close my mortgage loan with open disputes on my credit report. I 've been getting the runaround since XXXX and I 'm hoping you can encourage BoA to provide the debt verification/documentation to which I am legally entitled. \n Company chooses not to provide a public response Bank of America SC 294XX Servicemember Consent provided Web 04/19/2015 Closed with non-monetary relief Yes No 1336334
226034 04/20/2015 Debt collection Credit card Communication tactics Frequent or repeated calls I contacted BestBuy credit card to try to set up a payment plan with them after being 3 months late. I let them know that due to financial difficulties I have been unable to pay, but now I would like to set up a payment plan. I told them I can only afford about {$30.00} a month for now and asked for a possible removing some of the late fees. After about XXXX minutes of numerous questions they said the best they could do was about {$85.00} a month for 6 months. I told them I am on a fixed budget since losing my business income and could not afford that payment. But I told them I would pay a payment of {$30.00} each month. Unfortunately, I gave them permission to contact me by phone. This was the beginning of the month and I told him I only get paid XXXX. So, after paying the {$30.00} payment I told him to put the info. in the computer and not to call until next month. He said he could only stop the calls for 5 days, I told him again that my finances would not change until next month. Now they have been calling every day multiple times a day, which I feel is harassment. Sometimes they call XXXX after another, although this is seldom it is very annoying. I believe they are purposefully doing it to irritate me into calling them. Can you help me in getting them to stop calling me and only contact me by mail from now on? I will contact them XXXX when making a payment or possibly trying to increase payment when I can. But, That is the only phone conversation I wish to have, when I initiate it only. \n Company chooses not to provide a public response Citibank CA 923XX Servicemember Consent provided Web 04/20/2015 Closed with non-monetary relief Yes No 1336617
226051 05/21/2015 Debt collection Auto False statements or representation Attempted to collect wrong amount Commonwealth Financial Systems agreed to settle a {$4000.00} debt for {$2000.00} if I set up automatic debit from my bank account for {$100.00} a month. They also agreed that while in good standing they would remove this negative line from my credit report. After 2 months of paying I called because I never received official notification of the agreement. I asked for an official statement or letter and they said they could n't send XXXX. At that point I said I wanted to stop all payments until an official letter was delivered and they said ok. The next month they took the money out again and I called and said " I am not authorizing you to take money anymore please stop. And they continue to take {$100.00} out of my account every month. I do n't know what to do because they wo n't stop taking the money after I asked them multiple times to stop until the agreement could be official. My bank said they can not stop the automatic withdrawal and Commonwealth Financial Systems will not adhere to my demand to stop taking the money. \n Company believes it acted appropriately as authorized by contract or law Commonwealth Financial Systems, Inc. PA 194XX Older American Consent provided Web 05/21/2015 Closed with explanation Yes Yes 1386514
226072 04/20/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I had an account with XXXX phone service in which we did not receive signal on the phones. I ( and everyone on my plan ) complained to the company in store several times, as well as on their company phone number and were told they were working on the towers so it would be resolved soon. After a couple months with no resolution we asked them to close the account. In which case they sent us a bill for canceling the account and then some. I disputed the bill in writing several times and had yet to receive any response to the matter. Now I see that this is on my credit report and I wish to see an investigation into this as I do not feel I should have to pay for service that does not work nor pay to cancel such service. \nThank you. \n Company believes it acted appropriately as authorized by contract or law Amsher Collection Services, Inc. IN 462XX Servicemember Consent provided Web 04/22/2015 Closed with explanation Yes No 1336624
226129 05/07/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt resulted from identity theft Briefly, a nightmare involving Identity Theft dating back to XX/XX/XXXX when someone open a credit card using my personal information. \nSEE ATTACHED COMPLAINT LETTER dated XXXX XXXX. \nThis was supposedly resolved with XXXX XXXX in XXXX. \nA company named Dynamic Recovery Solutions appears to be abusively recycling this old XXXX account even though they were responded to in XX/XX/XXXX and it appears that they may be doing this with XXXX 's help. \nA total nightmare going back over 20 years that should simply never be allowed to happen. \n Company believes complaint represents an opportunity for improvement to better serve consumers Dynamic Recovery Solutions, LLC AZ 857XX Older American Consent provided Web 05/07/2015 Closed with non-monetary relief Yes Yes 1365899
226183 05/14/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt was paid Select Portfolio Servicing caused an unauthorized individual to trespass upon my property for the purpose of harassment and intimidation on Friday, XXXX XXXX, 2015. I was alarmed and afraid in my own home. I reported the incident to the police who made an official record of the activity which is in violation of local laws as outlined in the attached affidavit which I submit for CFPB review and follow up. \n Company believes it acted appropriately as authorized by contract or law Select Portfolio Servicing, Inc NY 105XX Older American Consent provided Web 05/14/2015 Closed with explanation Yes Yes 1377091
226225 05/07/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine My credit is being attacked be cause of some bill from XXXX XXXX. \nMy husband is covered by the VA. They pay all his bills. \nMy credit is being attacked because of this delay. After explaining this several times, HR collections continues to put it on my credit report ( as my services ). They should be talking to XXXX XXXX and or Veterans Administrations. Not be wasting time trying to get me to pay someone else 's bill. I should not be being punished.??? HELP! \n Company disputes the facts presented in the complaint Avadyne Health Holdings, Inc IN 479XX Older American, Servicemember Consent provided Web 05/12/2015 Closed with explanation Yes No 1365936
226461 05/28/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Apparently I have a name that 's easy to search and find mailing address and phone number. Consequently I receive dunning phone calls and letters demanding payment of debts that are not mine. NEVER mine. It seems to me the callers could take XXXX more minute on the internet and confirm I 'm not the person they 're looking for. I 'm absolutely sick of these calls and letters and can not find any way to stop them. I suggest a regulation that mandates some level of validation before these collection agencies take the easy way and just call or write everyone, hoping to get a response from the XXXX they 're really after. \n Company disputes the facts presented in the complaint Benuck & Rainey, Inc. NH 037XX Older American, Servicemember Consent provided Web 06/02/2015 Closed with explanation Yes Yes 1396011
226952 05/08/2015 Debt collection Credit card Communication tactics Frequent or repeated calls Greetings - I have been attempting to clear an item on my credit report that was reported by Citicard. It took me 3 weeks and XXXX phone calls to Citicard to research this item that was not recognizable to me. Citicard repeatedly told me they did not have any information on my account and to call back later. I continued to call Citicard back repeatedly and continued to receive the same statement. \n\nFinally, on the XXXX call, I pushed to speak to someone else and was finally turned over to Citicard 's Internal Recovery Dept. At this point, I did not have the time or energy to purse this charge as a fraud as I am in the midst of applying for a mortgage loan. I told the Citicard associate that " I just want to pay off the debt ( the outstanding balance was minimal, {$260.00} ) so that I could close this issue. '' She told me could pay over the phone, then call back in 15 days to get a zero balance letter. I said I needed the letter sooner, can I call back once the check had cleared. The associate responded yes. \n\n( BTW- it is ridiculous that I have to initiate a call instead of them automatically sending me the letter once the debt was cleared. ) I validated the payment I made to Citicard cleared my bank and called back 4 days later. I was then told that I could not get a Zero Balance Letter until 15 days had passed from payment. I stated this was NOT what I was told by the Citicard associate who accepted my payment. \n\nI clearly and specifically asked the associate who took my payment if I could call back once the payment had cleared and get the letter, and she said yes. This morning, I spoke to XXXX associates who refused to send me a letter. The XXXX Citicard associate admitted ( XXXX was her name ) I was given erroneous information by the Citicard associate when I made my payment. \n\nDuring each phone call ( XXXX in all ) Citicard attempted to collect personal data from me ; phone number, email, place of employement, etc.. I refused each time. But Citicard continued to request that I update their information on file. \n\nPlease note - I am not entirely sure this was a valid charge on my credit report. However, given the low amount outstanding and my need to move on w/ my mortgage application, I chose to pay off the debt. Had I not been under a time constraint, I would have fought this charge. \n Company chooses not to provide a public response Citibank VA 232XX Servicemember Consent provided Web 05/08/2015 Closed with explanation Yes No 1366904
227323 05/21/2015 Debt collection Credit card False statements or representation Attempted to collect wrong amount On XX/XX/XXXX my wife and I had dinner at the XXXX in XXXX XXXX Utah. We arrived at XXXX and departed around XXXX. We parked our rental vehicle in a public garage across from XXXX where the XXXX leases parking space for free courtesy parking. Its spaces are clearly marked ; we parked in XXXX spaces which are clearly identified. \nWe left the country around XXXX XXXX and returned around XXXX XXXX. In our mail was a letter from XXXX requiring {$100.00} payment for a parking violation from XXXX XXXX XXXX. Payment was demanded by XX/XX/XXXX which had already passed. The notice date was XX/XX/XXXX ; however, we had not received it when we left the country on XXXX XXXX. The XXXX notice contains no copy of a ticket. There was no ticket on our vehicle when we left the garage. XXXX patrons do not need to show a receipt or check in with an attendant. The ticket was posted for XXXX. We could have left earlier or later but there was no ticket or we would have returned to XXXX to have the manager deal with it. \nI called and emailed XXXX using information from the XXXX/XXXX/XXXX notice and was not successful in reaching any XXXX. \nAt that point I checked my XXXX XXXX XXXX account on line and discovered a {$100.00} charge from ATS processing. I immediately called XXXX to enter a dispute. It so happens that XXXX could confirm my charge for dinner at the XXXX on XXXX XXXX so the representative appeared sympathetic to my claim. I drafted a detailed letter Exhibit C with additional exhibits XXXX, XXXX and D. Please review that letter for more details on the situation. \nIn XXXX I received notice from XXXX XXXX that the {$100.00} debit was not going to be charged to my account ( XXXX ). \nThis week I received a collection demand from Retrieval-Masters Creditors Bureau ( Exhibit A ) for {$120.00}. The {$35.00} amount, which would have been on a parking ticket, had it been placed on my windshield has gained in value from {$100.00} at XXXX to {$120.00}. Again there is a reference to an event but no documentation. \nIn terms of Company information I want to start with XXXX XXXX of XXXX. XXXX covered on Exhibit XXXX of the C XXXX exhibit, a XXXX newspaper reported that more " than XXXX people who used XXXX XXXX will qualify for a refund '' in " {$2.00} XXXX settlement. '' In Exhibit XXXX a XXXX newspaper wrote " XXXX XXXX was accused of issuing unwarranted tickets in private lots. '' The article in detail chronicles many owners who did n't park in the lots and never actually physically received tickets were nevertheless billed anyway. \nPlease review my XXXX letter and Exhibits for more details. \nNow I want to review issues with XXXX. XXXX sent a letter which demanded I pay a fine with an additional process fee with no proof ( ie., no copy of a ticket ) and no opportunity to challenge the ticket. It states, " Per your rental contract with XXXX, you are responsible for all fines, penalties and processing fees related to any and all violations. '' I checked my XXXX Confirmation which has the XXXX regulations, and that language is not in there. \nFurther, if the language is in there, it is wrong because it waives due process rights. \n Company believes it acted appropriately as authorized by contract or law Retrieval-Masters Creditors Bureau, Inc. SC 294XX Older American Consent provided Web 05/21/2015 Closed with explanation Yes No 1386374
227349 05/21/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid Since XXXX XXXX, 2011 and to date I have been using XXXX as my line for telephone, internet and cable TV and have been paying my bills through XXXX without interruption. \nI can not pay for the same telephone line XXXX XXXX XXXX when I never use their service. I have evidence that all my phone bills were paid to XXXX. \n Company believes it acted appropriately as authorized by contract or law ERC FL 331XX Older American Consent provided Web 05/21/2015 Closed with non-monetary relief Yes No 1387141
227564 04/20/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received Spoke to company to have letter sent on terms to pay off debt, agreed to amount and to have debt removed from credit report. No letter ever recieved with terms. Have money to pay, but letter to do so. \n Company believes it acted appropriately as authorized by contract or law Caine & Weiner Co. Inc. FL 326XX Servicemember Consent provided Web 04/24/2015 Closed with explanation Yes No 1337035
227736 05/15/2015 Debt collection Payday loan Communication tactics Frequent or repeated calls My dad under the emergency contact was called. I was told I was being looked for. That they needed location information on me. I thought at first I was in legal trouble. It come to find out the Cash Store contacted a collection agency called XXXX XXXX XXXX at XXXX. I did not know military and their dependents are not allowed payday loans. That was not found out until a year after the payday loan. I was never asked the question if I were or not. I am not for sure of TX laws on that. As well I did not know a payday loan could send you to an collection agency. I was told could settle for {$470.00} I would have to start payments right away. That the company is not willing to wait any longer. I told the lady over the phone their not my XXXX priority to even pay I have other bills to pay that are more important right now. I did agree to XXXX every XXXX weeks. I am starting to regret this agreement because I felt rush. At the time of the payments I was making only {$500.00} a month at my job. The total payday loan including interest was {$610.00}. \n Company chooses not to provide a public response Cottonwood Financial Ltd. TX 765XX Servicemember Consent provided Web 05/15/2015 Closed with explanation Yes No 1377362
227875 05/15/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was discharged in bankruptcy Debt being reported as an open collection despite the fact the debt was included in bankruptcy. Company was notified XXXX XXXX, 2014 of this fact and was provided case number an copy of filing which included this debt in the bankruptcy proceedings. \n Company chooses not to provide a public response Allied Collection Services, Inc. (Nevada) NV 891XX Older American Consent provided Web 05/15/2015 Closed with explanation Yes Yes 1377269
228000 05/21/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine PennCredit contacted me about a debt in XX/XX/XXXX. I sent a letter ( attached ) disputing the debt, They never responded in any way. I just received the same letter ( XX/XX/XXXX ) from them about the same debt. \n Company believes it acted appropriately as authorized by contract or law Penn Credit Corporation MI 483XX Older American Consent provided Web 05/21/2015 Closed with explanation Yes Yes 1387419
228127 04/25/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Dear CFPB, I am trying to resolve a debt collection dispute with this agency, XXXX which is a utitlity company in NYS. For years I have dealt with the unconscionable collection practices of this agency who has not considered that I am a elderly XXXX person and has put my life in serious jeopardy. I filed a complaint with my XXXX and XXXX responded. They have not vaildated that the debt is owed by I, XXXX XXXX XXXX. They have not brought forth the contract expressed or implied written or oral that a debt is due and owing by me. \n Company chooses not to provide a public response Credit Protection Association, L.P. NY 137XX Servicemember Consent provided Web 04/25/2015 Closed with non-monetary relief Yes No 1347129
228141 04/25/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Dear CFPB, I continue to be harrased and contacted by a debt collector to paid a debt that is not mine. I live on a fixed income and they continue to use unconscienable means to collect. \n Company believes it acted appropriately as authorized by contract or law ERC NY 137XX Servicemember Consent provided Web 04/25/2015 Closed with non-monetary relief Yes No 1347130
228191 04/25/2015 Debt collection Credit card Taking/threatening an illegal action Seized/Attempted to seize property Although I was only allowed to check XXXX statement in each category, almost all of the above apply. A debt that was satisfied in 2005 with proof from my credit union, they presented to the courts, continue to leave on public record, removed money from my bank account and told motor vehicles not to issue my registration ( although motor vehicle did cash my check ), Motor vehicle has not sent my registration. \n Company believes it acted appropriately as authorized by contract or law Pressler & Pressler, LLP NJ 080XX Older American Consent provided Web 04/25/2015 Closed with explanation Yes No 1347259
228192 04/25/2015 Debt collection Credit card Taking/threatening an illegal action Seized/Attempted to seize property Although I was only allowed to check XXXX statement in each category, almost all of the above apply. A debt that was satisfied in 2005 with proof from my credit union, they presented to the courts, continue to leave on public record, removed money from my bank account and told motor vehicles not to issue my registration ( although motor vehicle did cash my check ), Motor vehicle has not sent my registration. \n Company chooses not to provide a public response New Century Financial Services, Inc. NJ 080XX Older American Consent provided Web 04/29/2015 Closed with explanation Yes No 1347260
228470 05/08/2015 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Contacted me after I asked not to They are contacting me when I am not the debtor, a family member is. I asked them to stop calling, but they harassed me and said they would keep calling until I found my family members contact. They are leaving voicemail messages about the debt with private information in it, they are threatening to come after me - although I have never cosigned on anything for this person - it is getting ridiculous, I just want them to stop calling and harassing me as well as my friends and other family members. \n Company can't verify or dispute the facts in the complaint MERCHANTS ADJUSTMENT SERVICE, INC. MI 488XX Older American Consent provided Web 05/08/2015 Closed with explanation Yes No 1367446
228582 05/29/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid I paid this medical account in full with the original creditor ( XXXX XXXX University XXXX XXXX XXXX ) and I was assured that the collections entry were going to be removed completely from all credit bureaus. The collection agency is refusing to remove the entry after a full payment was made to the original creditor and the collection agency is reporting the account as a paid collection instead of removing the account as I was told and agreed to. The main purpose to remove the account from my credit report is to lessen the impact on my credit score and be clear of any collections. I was assured that after making a " full payment '' the account was going to be completely removed and now that they received my money are refusing to remove the account from my credit report and instead just updated the account to reflect as a paid collection, this is a violation of our agreement. \n Company believes it acted appropriately as authorized by contract or law California Business Bureau, Inc. CA 925XX Servicemember Consent provided Web 06/02/2015 Closed with explanation Yes No 1396963
228754 04/26/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt was discharged in bankruptcy Am receiving multiple phone calls from a collection agency looking for someone with my last name, but not my first, for a debt that is not mine. The person they are looking for has never been listed in my address, nor phone number. \n Company chooses not to provide a public response Southwest Credit Systems, L.P. NY 102XX Older American Consent provided Web 04/30/2015 Closed Yes No 1347505
228776 05/15/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid My name is XXXX XXXX and I previously had an account with XXXX XXXX XXXX, however, I continuously paid my account in a timely manner by way of XXXX XXXX pay. When I received my XXXX 2012 - XXXX 2012 ( service period ) bill ( approximately XXXX XXXX 2012 ) it stated I had an unpaid balance of {$160.00}, so I paid {$160.00} in cash at the XXXX XXXX XXXX on XXXX. located less than XXXX minutes from my residence. I checked my bill pay first and saw that the payment was sent but the check never cashed ( nearly one month after it was sent ). At that time I was most certain the check was lost and would not be cashed. So I called my bank and cancelled the check ( {$29.00} ), meaning I could make the payment and hopefully avoid a XXXX payment that would lead to extended wait time getting my money back and/or " having a bad mark on my credit report. I also talked to XXXX XXXX prior to stopping payment on this check and let the agent know so my account could be annotated. I wanted to ensure everything was done well, so again after I made the payment through the service center I called back XXXX XXXX customer service and I was assured by the agent that everything was documented within the system. During that conversation I also learned that the reason my account past due is because my account number was changed from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX XXXX with a system update. I then updated my bill pay with the new account number ( XXXX etc ... ) and made the remaining balance payment of {$170.00} through my bank account ( totaling {$340.00} on my XXXX statement ). \nThen came time for me to move ( XXXX ) to XXXX XXXX WA. resulting in closing my account XXXX 2012 ( six months later ). I made my last payment before I left XXXX XXXX confident that all was well and good with my account. I even received check dated XXXX XXXX 2012 XXXX {$7.00} XXXX further ensuring that my account was well and good. However, long after I cashed the refund check from XXXX XXXX on my account I received a disturbing collection 's agency letter stating that I had an outstanding balance on my XXXX XXXX account in the amount of {$190.00}. This amount included a {$30.00} return check fee and {$160.00} unpaid balance. I asked the customer service rep, on-line technician how I can get my log-in and password from the internet and was told ( impossible ) because the account is closed. I also have asked the agents to simply review the system notes on my account to clear this matter up but apparently all the posting that the agent promised she added to my account had been purged from the system. I do n't know why a company would attempt to collect a payment for several months after an account is closed in good standing. Especially, when the system history notes ca n't go back that far and fully see the picture of those time periods. \nNote : My suggestion for their office is to leave notes from six months past on accounts or do n't attempt to collect from old customers that have closed their accounts in good standing. After 6 months has past that should be more than enough time for a company to clarify an account especially when it come to a returned check ( I paid my account and cancelled the check because of an account number change in which I had no knowledge of ). When the bill pay check initially came in it had the old account number on it and must have sat in someone 's inbox until after I had already closed my account and the technician notes were purged from my account. \n Company chooses not to provide a public response MRS BPO, L.L.C. WA 985XX Servicemember Consent provided Web 05/19/2015 Closed with explanation Yes No 1377893
229685 05/02/2015 Debt collection Federal student loan False statements or representation Attempted to collect wrong amount I did n't take a loan for XXXX. From this college. I only took XXXX classes and those classes did n't cost XXXX. \n Company believes it acted appropriately as authorized by contract or law Newman, Mathis, Brady & Spedale LA 714XX Servicemember Consent provided Web 05/14/2015 Closed with explanation Yes No 1357909
229710 04/20/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine There are XXXX collections that have recently been put on my credit report by a collection company and they have no record of the collection. I have tried to dispute the items with the bureau and they have come back as verified and not going to be deleted according to XXXX. I do n't know where else to turn to help as this item is severely damaging my credit. \n Company can't verify or dispute the facts in the complaint Aargon Agency, Inc. CO 800XX Older American Consent provided Web 04/20/2015 Closed Yes No 1338345
229734 05/21/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt was discharged in bankruptcy I filed Chapter XXXX bankruptcy in 2008 and all creditors, secured and unsecured were included. The bankruptcy was discharged and shortly afterwards, XXXX of the unsecured creditors " appears '' to forward the account to a XXXX party collection agency, with a different account number than the original XXXX. This same discharged account has been passed on to at least XXXX other XXXX party collection agencies, since the bankruptcy was discharged. I made an attempt to contact the XXXX party collection agency a few days ago, and other than the individual on the other end of the phone being very nasty and derogatory towards me, she said there was nothing she could and provide her proof that the account was placed in bankruptcy. \n Company believes it acted appropriately as authorized by contract or law First National Collection Bureau, Inc. VA 233XX Servicemember Consent provided Web 05/21/2015 Closed with explanation Yes No 1388011
229783 06/04/2015 Debt collection Auto Cont'd attempts collect debt not owed Debt is not mine This involves an attempt to collect on an auto insurance policy which was wrongfully cancelled. Emails and notices validate such then XXXX XXXX XXXX XXXX XXXX XXXX, has continued trying to collect when their own agent cancelled the policy and has reported differing amounts as being owed. \n\nHave send several notices, some even by certified mailings the claimed debt was disputed, have emails more than a year ago to agent about the wrongful cancellation and agent even stated to bank representative coverage was active while it was not, but still I was being billed. \n\nHave sent notices requesting written correspondence only and to stop calls because of health conditions and still getting as many as XXXX calls per day, calls on XXXX morning before XXXX. This claims is against XXXX XXXX as well as CCS Collections Services. \n\nThank you \n Company disputes the facts presented in the complaint CCS Financial Services, Inc. TN 372XX Older American, Servicemember Consent provided Web 06/04/2015 Closed with explanation No No 1405568
229961 05/22/2015 Debt collection Medical False statements or representation Attempted to collect wrong amount Grant & Webber has not corrected their report to the major credit reporting agencies that their claim to me for medical costs has be settled circa 30 days ago. This is the only ding on my credit and is a false report until corrected by Grant & Webber. The false statement is that I owe anything at all, since this was settled by my lawyer and hence Grant & Webber is attempting to claim or says they are owed monies they are not owed. \n Company believes it acted appropriately as authorized by contract or law Grant & Weber CA 956XX Older American Consent provided Web 05/22/2015 Closed with explanation Yes Yes 1388643
229962 05/22/2015 Debt collection Medical False statements or representation Attempted to collect wrong amount Grant & Webber has not corrected their report to the major credit reporting agencies that their claim to me for medical costs has be settled circa 30 days ago. This is the only ding on my credit and is a false report until corrected by Grant & Webber. The false statement is that I owe anything at all, since this was settled by my lawyer and hence Grant & Webber is attempting to claim or says they are owed monies they are not owed. \n Company believes the complaint is the result of a misunderstanding Grant & Weber CA 956XX Older American Consent provided Web 06/12/2015 Closed with explanation Yes No 1388644
230019 05/03/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine My mother died XXXX/XXXX/2014 and left an unpaid credit card. I went into the store to pay it and learned that they had written it off. ( excused the debt ) When I got home my wife said a collection company called and wanted payment for that same debt. She did n't know it had been written off by the original company and she agreed to pay it. She gave them a check by phone to be cashed a few days later. I stopped payment on the check as soon as I learned what she did. \nThe collection company is AscensionPoint Services. They have continued to call me and my wife on our personal phones and her work phone. They say we are n't responsible for the debt but they keep calling. I researched AscensionPoint and found numerous pages of complaints on them being a scam and not to pay them anything. \n Company believes complaint is the result of an isolated error Ascension Point Recovery Services, LLC TX 762XX Older American Consent provided Web 05/03/2015 Closed with non-monetary relief Yes No 1357981
230312 05/29/2015 Debt collection I do not know Communication tactics Frequent or repeated calls I am getting repeated harassing phone calls where no one even speaks when I answer. According to caller ID and XXXX phone bill these calls are coming from FNCB INC at ( XXXX ) XXXX, a debt collection agency. \nI have not debts in arrears, These people have not written me nor talked to me on phone-just repeated calls with no one there when I answer. \nCalled me XXXX this morning and woke me up at XXXX XXXX and XXXX XXXX. I am ill and in bed and harassed by this dumb tactic? \nThis company also called two weeks ago and same thing-no one spoke when I answered phone. \n\nIs this some new bizarre tactic by bill collectors?? Harassing calls without even speaking to the people they bother by calling? Unprofessional.Maybe if they can get me to call them it opens the door for more contact? \n Company can't verify or dispute the facts in the complaint First National Collection Bureau, Inc. CA 934XX Older American Consent provided Web 06/03/2015 Closed with explanation Yes No 1397907
230679 05/09/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid After being a customer of XXXX for TV ( $ XXXX/month ) for 5 or more years, I became so frustrated with lousy reception and the need to change boxes or have a technician come to the house so often, that when a service person called after a weekend in XX/XX/XXXX if we had called over the day or two before that I told him that as of that time we were discontinuing service with XXXX. I figured that at most we had received 5 days of 31 possible days of service that month, and I sent XXXX a check for 5 of 31 days billing, totalling {$14.00}. This check was cashed by XXXX, but I was billed until XXXX, XXXX \nFurthermore, I called XXXX to pick up their equipment. No one came to the house, and after the XXXX call they sent a postage paid box for me to mail by XXXX their equipment. They received it, and the mailing took place in the XX/XX/XXXX. I never received any receipt for this. \nIn addition, I have receipts for equipment loaned or rented to me by XXXX back to XX/XX/XXXX. \nI received bills from XXXX through XX/XX/XXXX, and on XX/XX/XXXX I received XXXX calls, presumably from XXXX but possibly from a collection agency in XXXX, TX, who began mailing me notices of my past bills and statements that my credit rating could be damaged if payment were not forthcoming. I received the XXXX written notice from the credit collection agency on XX/XX/XXXX. \nOn a phone call of XX/XX/XXXX a woman asked if XXXX XXXX sent the cable box and equipment. I told her of my letters of XX/XX/XXXX and XX/XX/XXXX to XXXX setting out my position and verifying that I 'd sent the equipment as they requested. \nI spoke on XX/XX/XXXX to a representative of the credit agency and told her that when a human being from XXXX contacted me, I 'd be glad to communicate with him/her. As far as I know the credit agency has a copy of my original letter of XX/XX/XXXX to XXXX. \n\nThe last printed claim against me for this bill from the collection agency was postmarked XXXX XXXX. I have not opened all the printed notices, but adjustments were made, and I am said to owe XXXX {$220.00}. \n\nI have had up to XXXX calls a day from the agency. Most I do not answer. A recording asks me to verify who I am, and says what the matter is, gives me a reference # and their XXXX phone #. From my standpoint the calls are a type of harrassment. Furthermore, XXXX billed me through XX/XX/XXXX, then adjusted a bill or XXXX, saying that I had had no service since XXXX XXXX. In the meantime their monthly bills had increased. \n\nI am asking if you think I am being harrassed. I shall be happy to print out my message to you and send it to XXXX. \n\nThank you. \n Company chooses not to provide a public response Credit Protection Association, L.P. VA 224XX Older American, Servicemember Consent provided Web 05/11/2015 Closed with non-monetary relief Yes No 1368419
230688 04/20/2015 Debt collection Credit card Taking/threatening an illegal action Threatened arrest/jail if do not pay A company claiming to go by the name Consumer Asset Management out of Texas called from the phone number XXXX XXXX XXXX XXXX requesting that I call back by XXXX the next day about a debt on my social. I was requested to call XXXX XXXX XXXX XXXX. They threatened me with orders to put me in front of a judge concerning a debt of {$13000.00} which I do not owe according to my credit reports. They refused to supply anything beyond the name Consumer Asset Management and the phone number already supplied. When asked for the license number and address their response was that it is public domain and was refused this information. When asked for a written validation notice, they refused and said that they will only send out a letter of offer of settlement for {$4000.00}. I again asked for validation notice only and was refused, again only being offered the settlement letter and being told that once that settlement letter was sent I accept the terms of the letter. I refused and said I will not do anything until I receive a validation notice. They stated they are not required to send those out. I said I was reporting them to the FTC and he said " go ahead '' and hung up on me. \n Company can't verify or dispute the facts in the complaint Consumer Asset Management (Texas) WV 258XX Servicemember Consent provided Web 04/20/2015 Closed Yes No 1338268
230724 04/20/2015 Debt collection I do not know Communication tactics Frequent or repeated calls Calls coming about every other day. Sometimes no XXXX answers, other times tape says something about student loan debt. I never had a student loan. \n Company believes the complaint is the result of a misunderstanding Focus Holding Company GA 303XX Older American Consent provided Web 04/20/2015 Closed with explanation Yes No 1338285
230835 04/21/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine On XXXX XXXX, 2015, I received a demand letter for payment from USCB America for {$730.00}. I am disputing this debt of {$730.00}, because it has never belonged to me. \n\nI was a victim of identity fraud and are disputing this debt of {$730.00}. I have been receiving harassing phone calls from USCB on my employers mobile phone. \n\nThe {$730.00} debt belongs to some one who used my information with out my knowledge. I will not pay a debt not belonging to me. \n Company disputes the facts presented in the complaint USCB, INC. CA 913XX Older American Consent provided Web 04/21/2015 Closed with explanation Yes No 1340370
230844 05/10/2015 Debt collection Auto Disclosure verification of debt Right to dispute notice not received I received a XXXX tickets in XX/XX/XXXX that was captured by a camera. I am in the military and I am always on the move. The only way I found out was when it showed up on my credit report as a collection account on XX/XX/XXXX. I had no knowledge of any debt before it went to collection and showed up on my XXXX report. I had no chance to contest my ticket, let alone pay it. Before this, my score was consistently above XXXX FICO \n Company believes it acted appropriately as authorized by contract or law Duncan Solutions, lnc. MD 207XX Servicemember Consent provided Web 05/11/2015 Closed with explanation Yes No 1368574
230866 04/21/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Superlative RM has attempted to contact me XXXX about a debt they say I owe. I have attempted to call back a few times. Each time I get a message that I am being transferred to an agent, then I get a busy signal. I sent them an email at their website to inquire about a debt I am not aware of. So far no response. Their website is www.superlativerm.com. \n Company believes it acted appropriately as authorized by contract or law Terrill Outsourcing Group TX 787XX Older American, Servicemember Consent provided Web 04/21/2015 Closed with non-monetary relief Yes No 1338827
231044 05/10/2015 Debt collection Medical Disclosure verification of debt Not disclosed as an attempt to collect Under a recent direct of all XXXX credit reporting agencies, on behalf of a collective effort of the Federal Trade Commission and the Consumer Financial Protection Bureau, all medical collections can not be posted on a consumer 's credit report until the following criteria is established : The consumer must be given an updated invoice by the service provider, stating that he/she has 30 days to rectify the balance personally or through insurance coverage. \nThe service provider must state that the invoice will not go into a collection status until the 30-day timeline has been completed, and a specified date must be given to the consumer. A service provider can not submit a medical invoice to a licensed debt collector until after the 30-day timeline has been completed, without exception. \nIf the 30-day time has passed, the service provider can at that time turn over the invoice to a licensed debt collector in the consumer 's residency state. \nThe debt collector must submit a written notice of collection, stating that the consumer has 180 days to either rectify the debt personally, settle the debt amicably, or to expedite that an insurance carrier will pay the medical claim. The debt can not be posted on a credit bureau for collection until the 180-day timeline has passed, also without exception. \nI hereby state that the attached medical collection is now illegal, and that the new collection guidelines for medical debts are applied to existing collections. The old collections and their processes were not grandfathered in by the change in policy by XXXX XXXX and XXXX XXXX respectively. That means all medical debts come off my report and that I must be given a fair chance to rectify the debt through the previously mentioned criteria. \n Company believes it acted appropriately as authorized by contract or law Commonwealth Financial Systems, Inc. NY 121XX Servicemember Consent provided Web 05/10/2015 Closed with explanation Yes No 1368631
231166 05/29/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I have been receiving several calls from this number, asking to speak with my son. I informed them that he does not live here and I would appreciate it if they stop calling my phone. I receive calls everyday from this number even after I have asked him to quit calling me. This morning I was contacted by a female representative who told me that she was working on a project with my son. I once again ask them to stop calling my number, and inform them that he does not live here. I am tired of the harassment every day. \n Company believes it acted appropriately as authorized by contract or law Valentine and Kebartas, Inc. LA 701XX Older American Consent provided Web 05/29/2015 Closed with explanation Yes No 1398149
231167 05/10/2015 Debt collection Medical Disclosure verification of debt Right to dispute notice not received Under a recent direct of all XXXX credit reporting agencies, on behalf of a collective effort of the Federal Trade Commission and the Consumer Financial Protection Bureau, all medical collections can not be posted on a consumer 's credit report until the following criteria is established : The consumer must be given an updated invoice by the service provider, stating that he/she has 30 days to rectify the balance personally or through insurance coverage. \nThe service provider must state that the invoice will not go into a collection status until the 30-day timeline has been completed, and a specified date must be given to the consumer. A service provider can not submit a medical invoice to a licensed debt collector until after the 30-day timeline has been completed, without exception. \nIf the 30-day time has passed, the service provider can at that time turn over the invoice to a licensed debt collector in the consumer 's residency state. \nThe debt collector must submit a written notice of collection, stating that the consumer has 180 days to either rectify the debt personally, settle the debt amicably, or to expedite that an insurance carrier will pay the medical claim. The debt can not be posted on a credit bureau for collection until the 180-day timeline has passed, also without exception. \nI hereby state that the attached medical collection is now illegal, and that the new collection guidelines for medical debts are applied to existing collections. The old collections and their processes were not grandfathered in by the change in policy by XXXX XXXX and XXXX respectively. That means all medical debts come off my report and that I must be given a fair chance to rectify the debt through the previously mentioned criteria. \n Company chooses not to provide a public response Escallate, LLC NY 121XX Servicemember Consent provided Web 05/10/2015 Closed Yes No 1368633
231261 05/10/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine On XXXX/XXXX/2015 I began receiving calls and letters from RGS regarding account # XXXX for a debt of {$180.00}. The creditor is listed as XXXX but I do n't have any credit cards or loans with them. RGS has failed to provide me with any further information and have been calling me repeatedly about paying. I gave it a couple months thinking they 'd figure out it was n't mine, but the calls keep coming. \n Company believes it acted appropriately as authorized by contract or law RGS Financial, Inc. OK 730XX Servicemember Consent provided Web 05/10/2015 Closed with non-monetary relief Yes No 1368682
231316 04/21/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Repeated phone calls looking for someone by another name. I have had this phone number for over three years. Most recent harassment is from D & A Services, LLC., but they will sell the information to then next set of thugs to continue the harassment. When confronted with the wrong number, they claim " we do n't have this number in the system. '' This is a fraudulent claim, since they had called less than XXXX seconds before and hung up before I could get requisite information to formalize a complaint with their organization. \n\nIf this were an incidental wrong number, this would not be an issue, but this is a concerted effort to harass by so-called debt collectors who keep selling this bad number and refusing to remove it from the database. \n Company disputes the facts presented in the complaint D&A Services, LLC NC 275XX Servicemember Consent provided Web 04/27/2015 Closed with explanation Yes No 1338937
231365 04/21/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid The following letter was sent to Credit Management LP on XX/XX/XXXX, no reply was received. \n\nOn XXXX XXXX I closed my account with XXXX and returned the equipment on XXXX XXXX. I requested that XXXX send me a final bill for balance owed XXXX 2 days XXXX. \n\nI contacted XXXX on XXXX XXXX and XXXX XXXX inquiring about the FINAL BILL and was promised that one will be sent. \n\nOn XX/XX/XXXX, I received a letter from Credit Management indicating tat I owed XXXX {$74.00} which was reported to the XXXX credit bureaus as a collection. \n\nI contacted XXXX on XX/XX/XXXX concerning my account being sent for collection for {$74.00}. I spoke with XXXX who researched that the amount I owed was {$20.00} which I paid with my credit card., she also said that {$52.00} will be adjusted. \n\nOn XX/XX/XXXX I checked my credit report and found there was a balance outstanding in the amount of {$5.00}. I called XXXX and I believe I spoke with XXXX who indicated the amount was inadvertently charged and should have been waived and an adjustment will be made to the account. \n\nThis charge resulted in my credit score being reduced from the XXXX 's to XXXX ( Poor ). I was not at fault for this vexatious charge from XXXX. \n\nI request that this collection and derogatory statement be removed from all XXXX credit bureaus and inform me by mail when completed. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company The CMI Group, Inc. MD 207XX Older American Consent provided Web 04/23/2015 Closed with non-monetary relief Yes No 1338953
231376 04/21/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid I 've received telephone calls from " XXXX '', who works for XXXX XXXX XXXX in XXXX, Virginia. Supposedly, I " owe '' a medical debt to XXXX XXXX for approximately {$48.00}. The Department of Veterans affairs authorized non-VA care at XXXX XXXX. The VA has a policy that any " authorized non-VA health care services is considered payment in full. The provider may not bill you or your health carrier for any services that were authorized and paid by VA. '' When I explained this to " XXXX '', he rudely told me to let him finish talking, and he stated that until I faxed him that VA statement, he would continue to collect the debt. I stated that it was illegal for him to do so per the health insurance policy. Previously I had given the debt collection company the addresses of the Department of Veterans Affairs. I question whether the company is in fact legitimate. I have received XXXX different telephone calls from XXXX different telephone numbers. XXXX of the telephone numbers was overseas. Each time, the person on the telephone had a XXXX XXXX XXXX and used XXXX names. I was asked to give my mailing address and my date of birth to " XXXX ''. I worry about identity theft issues, so I hope I did n't accidentally give the wrong person my personal information. \n Company chooses not to provide a public response Nationwide Credit Corporation MD 214XX Servicemember Consent provided Web 04/21/2015 Closed with explanation Yes No 1340867
231495 06/05/2015 Debt collection Medical Disclosure verification of debt Not given enough info to verify debt While I was inundated with XXXX XXXX, multiple XXXX, XXXX and related needs for same and unable to take care of any of the obvious needs, a judgement was issued. I attempted to contact the debtor and get the information but have not received a verification of debt. \nThe debtor has attempted to garnish the bank account and this is the only means of survival since our only income is Social Security Benefits. We have since received a pattern interrogatory from them. \n Company believes it acted appropriately as authorized by contract or law Bonded Business Services, Ltd. CO 816XX Older American Consent provided Web 06/05/2015 Closed with non-monetary relief Yes No 1407308
231791 04/21/2015 Payday loan Payday loan Can't contact lender Can't contact lender I live in Ohio and took a loan from Westernsky financial for XXXX at {$290.00} FOR 47 MONTHS in XX/XX/XXXX.They turned the loan over to Cash Call immediatly, After a few months I could n't make the payment, i ask for smaller payment, they refused. I stopped making payments due to medical bills. I retired on social security XXXX. Now XXXX debt collectors are harrassing family and friends for info on locating me. They have my address I wish for them to stop harrassment.They threaten me with lawsuits, and hastily I agreed to make payments of {$290.00} a month for 10 months starting in XX/XX/XXXX. I gave them my social security debit card, but had social security send me a new card so they could n't take out payment. \n Company chooses not to provide a public response Delbert Services OH 448XX Older American Consent provided Web 04/23/2015 Closed with explanation Yes No 1339096
231912 05/29/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine My ex husband was a XXXX. He drove to work and parked on XXXX and XXXX XXXX and everyday he received a parking ticket. He hid everything from me, and when I found out I made him promise that he would pay it. When we separated in our separation agreement we noted that it was not my responsibility to pay the debt and that it was his responsibility. The agreement was signed and notarized, making it a legal document. He has not paid a cent toward the balance and it is on my credit. Because he legally took responsibility of the debt that he accrued in my car that was registered to my name, I would like to remove these infractions from my credit report. I have attached a unsigned copy of our separation agreement. If the signed XXXX is needed please advise me and I will have my attorney forward it to you. \n Company can't verify or dispute the facts in the complaint Duncan Solutions, lnc. GA 300XX Servicemember Consent provided Web 06/02/2015 Closed with explanation Yes No 1398368
232046 05/29/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt resulted from identity theft When I was younger a man approached me and forced me to cash checks for him. It was XXXX separate checks at XXXX separate XXXX XXXX XXXX locations. I told the bank what happened and whoever I spoke to told me that the fact that I was physically forced to cash the checks did not matter. I found that hard to believe and decided that I would not pay it because it in fact was a result of the actions previously mentioned. I also tried to file a police report of the incident at the time but because I had no information as to who the man was, the police could do nothing. \n Company chooses not to provide a public response CL Holdings, LLC GA 300XX Servicemember Consent provided Web 06/02/2015 Closed with explanation Yes No 1398370
232270 05/29/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid ENHANCED RECOVERY PUT A COLLECTION ON MY CREDIT THAT I DO N'T OWE. THEY NEVER SENT ME A NOTICE STATING THAT THEY ARE PUTTING ANYTHING ON MY CREDIT. I CONTACTED AT T AND THEY CONFIRMED THAT I DO N'T OWE THEM FOR THE ERRONEOUS ACCOUNT. I DISPUTED THE ACCOUNT AND THEY CONTINUE TO REPORT IT ON MY CREDIT \n Company disputes the facts presented in the complaint ERC TX 770XX Older American Consent provided Web 05/29/2015 Closed with non-monetary relief Yes No 1397159
232385 05/16/2015 Debt collection Credit card Communication tactics Frequent or repeated calls XXXX 2014 I received XXXX checks in the amount of {$1900.00} each directly deposited into my checking account. I withdrew the funds and did not find out until months later than they had insufficient funds. I had {$950.00} in my Suntrust account which Suntrust debited and charged the balance to my Suntrust Credit Card. I contacted Suntrust and informed them what happened and have been making monthly payments. My credit card was connected to my checking account for overdraft protection. The checks are being invested by XXXX XXXX Fraud department and XXXX XXXX Police. Suntrust has called me XXXX times to collect the debt. They are aware of what happened and I am making payments monthly but they have continued to call me although I have asked them not to call me. I am currently on XXXX with many medical problems and I am not suppose to get stressed. I consider this harassment because there is nothing that I can do because I am not employed. I have paid them {$900.00} within the past 3 weeks and it does n't seem to matter. I banked with Suntrust for 36 years and I expected to be treated better than this. They have treated me like a criminal. My credit card limit was {$6000.00}. The additional {$3900.00} made my account over the limit. I am being harassed for the overage. \n Company chooses not to provide a public response SunTrust Banks, Inc. GA 303XX Older American Consent provided Web 05/19/2015 Closed with non-monetary relief Yes No 1379156
232583 05/30/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt resulted from identity theft When I was younger a man approached me and forced me to cash checks for him. It was XXXX separate checks at XXXX separate Bank of America locations. I told the bank what happened and whoever I spoke to told me that the fact that I was physically forced to cash the checks did not matter. I found that hard to believe and decided that I would not pay it because it in fact was a result of the actions previously mentioned. I also tried to file a police report of the incident at the time but because I had no information as to who the man was, the police could do nothing. \n Company chooses not to provide a public response Bank of America GA 300XX Servicemember Consent provided Web 05/30/2015 Closed with explanation Yes No 1398949
232779 06/05/2015 Debt collection I do not know Communication tactics Frequent or repeated calls I have been getting up to XXXX calls a day from RPM Collections. Sometimes there is background music, sometimes NOTHING. \n Company chooses not to provide a public response Receivables Performance Management LLC NM 882XX Older American Consent provided Web 06/10/2015 Closed with explanation Yes No 1408677
232913 05/16/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I have a closed XXXX XXXX XXXX internet account with hardcopy final bill balance stated as {$0.00} and closed. Enhanced Recovery Company contacted me nearly 1.5 years after the account was closed and claimed I owed {$180.00}. I sent them a certified letter with copies of my final XXXX XXXX XXXX bill showing them that they were making an error. Enhanced Recovery Company then sent negative reports to the credit bureaus within 20 days of their initial contact. I have sent Enhanced Recovery Company XXXX certified letters trying to clarify and get this off my credit report but they do not respond to my demand of validating the debt and any papers that show I actually have a debt. \n Company believes it acted appropriately as authorized by contract or law ERC CA 900XX Servicemember Consent provided Web 05/16/2015 Closed with non-monetary relief Yes No 1379222
232928 05/16/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I do not owe this debt to XXXX XXXX, it was due to a justified cancellation by me. I was receiving insufficient reception for 6 months and had service people out every time, they insisted I would not receive good service due to the amount of trees on my property. I had informed them that I would cancel if they could not fix the problem, I could not continue with XXXX % reception, I always paid my monthly service. They are on the XXXX collection agency trying to collect this invalid debt, I had sent a certified letter to all three agencies explaining the situation, the XXXX XXXX dropped the collection immediately so XXXX gave it to the XXXX agency, Enhanced Recovery, they have my phone number, my e-mail and my postal address but have not contacted me one time, I have called and left messages but no response. They put this on my credit report with no verification, I disputed it and no response. This has been a nightmare, XXXX XXXX and XXXX XXXX had the good sense to remove the collection from my credit files because they realize it was bogus, it appears ERC is arrogant and will not respond to any of my efforts to reach them. \n Company believes it acted appropriately as authorized by contract or law ERC FL 321XX Older American Consent provided Web 07/21/2015 Closed with non-monetary relief Yes No 1379226
232951 05/16/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Frequent or repeated calls I have been on the DNC list. \nI disconnected my services from XXXX XXXX. \nIt took them a few month to get my final bill to me. \nWhen the bill of {$150.00} arrived I made a partial payment. \nThe next bill arrived I did the same. \nI made another payment leaving my balance of {$100.00}. \nWhen my check of {$36.00} was enroute to XXXX the calls from XXXX started calling me eventhough I was making payments. \nThey are relentless calling about 6 times a day. I told them I would report them to the FCC and they continued to call. Why XXXX submitted my account to them is beyond me when I was making monthly payments. This telephone number is not associated with any name, plus they started calling within the right time frame. It 's still disturbing especially since I am a senior citizen and have sleep issues as it is. Thank you \n Company chooses not to provide a public response Receivables Performance Management LLC NJ 080XX Older American Consent provided Web 05/18/2015 Closed with explanation Yes No 1379250
233012 05/16/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Indicated committed crime not paying This was a bill from an internet Co. in XXXX AR. The original bill was over 300.00. My daughter talked to them and they agreed to accept a lower amount which she paid. They then said " Paid in full '' and I never heard another word from them. \nThis COMPANY IS XXXX and they were paid off in full. \nMy name is XXXX XXXX XXXX XXXX LA XXXX \n Company chooses not to provide a public response Southwest Credit Systems, L.P. LA 708XX Older American Consent provided Web 05/16/2015 Closed with explanation Yes No 1379328
233127 05/17/2015 Student loan Non-federal student loan Dealing with my lender or servicer Received bad information about my loan I would like to report a case of student loan fraud by Wells Fargo Student Services. I recently graduated from XXXX University XXXX XXXX XXXX XXXX XXXX. \n\nI took out a loan with Wells Fargo in XXXX 2014 and contacted representatives with questions several times during my loan process. I was informed on several occasions that my loan would not accrue interests and that I was not permitted to make any payment on my loan amount until my 6 month deferment period was over. Specifically, I contacted Wells Fargo representatives twice and was explicitly informed that I was " not permitted '' to make any payments on my student loan while I was still enrolled in school. \n\nI called on XXXX separate occasions to verify this statement and this claim was never contradicted. I also asked to receive a copy of my promissory agreement to verify this claim and never received one. \n\nI finally reached a representative last week who informed me that not only had my loan been accruing interest, but that I was able to submit payments on my loan the entire time. \n\nSince then, I have contacted Wells Fargo several times, and none of my requests have been met. I am yet to receive a copy of my promissory agreement. I was informed that Wells Fargo management can not accept responsibility for their employees poor information and I was told that I most likely misunderstood the difference between the phrases " do not have to make payments '' and " can not make payments ''. However, on XXXX separate occasions I was specifically told I was " not permitted '' to make a payment, suggesting that it was their representatives who may have been confused about the meaning of the standard Wells Fargo verbiage. \n\nDuring several conversations with Wells Fargo management, they emphasized that their loan specialists most likely informed me that I was not " obligated '' to pay back a loan but could do so at any time. This was not the case, although the phrase " do n't have to pay off the loan while you are enrolled in school '' frequently came up. Although I explicitly asked about concurrently paying off my loan, this frequently repeated expression is potentially -- and likely intentionally -- misleading. The manager I spoke with informed me that an internal complaint is the " best they could do '' for my situation ; in the meantime, their confusion has cost me approximately {$1500.00} in interest-related fees on my loan. \n\nFurthermore, I am still unable to access my online account despite multiple calls to Wells Fargo technical support. I conduct online banking for all my other accounts, and do not have an issue accessing my Wells Fargo Mortgage online account. Essentially, this is not user error- I am specifically unable to access my student loan portal and have not received any support from Wells Fargo in this regard. \n\nMy husband and I are both XXXX ; I recently transferred over tot he XXXX XXXX. While we understand consumer responsibility, we sought clarification on written documents throughout the process and received none. Additionally, we explicitly asked for additional information that we never received. My attempts at contacting management were infructuous at best ; I am still waiting on an email containing our promissory agreement as an attachment or a way to defray our interest by transmitting my husband 's military orders. \n\nI believe that Wells Fargo 's loan department is intentionally misleading potential customers and withholding information about the terms of their loans and hope this report can coerce Wells Fargo to clarify their lending practices and information dissemination. \n Company chooses not to provide a public response Wells Fargo & Company MD 206XX Servicemember Consent provided Web 05/17/2015 Closed with explanation Yes No 1379500
233210 05/18/2015 Debt collection Credit card Communication tactics Threatened to take legal action I had been paying on a credit card that I had for my business, although the card is in my personal name. After I closed the business, I came to an agreement with a collection company to continue making payments. I lost my job at the end of XX/XX/XXXX but continued making small payments to the company. I was making these payments with money from Unemployment Compensation, which I received for 6 months. I was not having success in finding work so decided to go back to school to change careers. \nI received a notice from the collection agency/attorney that they would be filing a lawsuit if I did n't settle on the account. I contactedthem and spoke to XXXX XXXX ( with whom I had been working for quite a while when I was making payments ). I wanted to come up with some kind of deferment or plan that was workable now that I am no longer working. Because I felt an impending threat, I offered to make a {$1000.00} payment after speaking to friends to come up with the money. XXXX XXXX said that they could take the money then and have a monthly amount that would increase over time. I did not want to make that commitment over the phone and asked him to send me a copy of the agreement. He agreed to this. In the conversation, it was implied that the legal action would not proceed while I was waiting for a copy of the suggested payment plan. They took my money, which I presumed was a sign of good faith from me. \nThe only money that I am receiving now is from student loans that I have taken out to go to graduate school. Any money in my bank account has come from these loans. \nI assume that XXXX XXXX XXXX has since written off the account balance. There have been many collection agencies I have made payments to for this account and it seems that each company has gotten more and more aggressive with their collection tactics. \nThis is n't the only debt that I have remaining from the closure of my business. I have made small payments to various collection companies for several debts. When I was working, I was able to settle on some of them, or pay them off completely. \nI am now in a situation where I will not be able to earn income until I graduate in XXXX or XX/XX/XXXX. The program I am enrolled in is very rigorous and does n't allow me time to work. I am XXXX years old so I do n't have the energy that my fellow students have, and it takes all of my time to complete my schoolwork. \nI feel that this company has been very aggressive with me. I have made payments when I can and they have kept applying pressure. After I received their latest communication ( packed into a very small envelope. I opened it with the expectation that it was finally the contract that I had requested ), I was not able to sleep well for XXXX nights. \nIt has never been my intention to file bankruptcy. I have worked very hard to avoid it but feel that companies like this, and their pressuring tactics, are driving me to this. I feel harassed and taken advantage of. \n Company believes it acted appropriately as authorized by contract or law NELSON AND KENNARD WA 985XX Older American Consent provided Web 05/18/2015 Closed with explanation Yes No 1379825
233240 05/18/2015 Debt collection Medical Disclosure verification of debt Right to dispute notice not received I was notified by my XXXX at XXXX that Senex reported a debt as unpaid to XXXX on XXXX XXXX, 2015. They did not mail me a notice to dispute before they did it. \n Company believes it acted appropriately as authorized by contract or law Senex Services Corp. TN 370XX Servicemember Consent provided Web 05/18/2015 Closed with explanation Yes No 1381327
233492 05/30/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine The company calls me all the time about a XXXX XXXX, whom I do n't know and never heard of him trying to collect a debt. \n Company can't verify or dispute the facts in the complaint Linebarger Goggan Blair & Sampson, LLP TX 751XX Older American Consent provided Web 06/03/2015 Closed with explanation Yes Yes 1399147
233730 05/18/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine XXXX paid part of a bill for a medical XXXX fee in XXXX 2012 and failed to automatically pass the remainder on to my supplemental insurance company. I can get little information from XXXX about what happened to the remained as they do n't seem to know and can not get any information. The original lab fee bill to XXXX was in the amount of {$590.00} of which XXXX paid an unknown amount but failed to automatically send the remaining amount of {$200.00} to XXXX XXXX XXXX which has my supplemental insurance. I can get no information from XXXX about my account # so I can get no information there. I need to know how I can get XXXX to send this {$200.00} on to XXXX XXXX XXXX as I have been getting Collection Agency bills for XXXX years. Can you help me. We can not afford to pay this bill which we do not owe. We pay more than {$5000.00} a year for this supplemental insurance. Somebody has messed up on this bill, whether it is XXXX or their vendors. \n Company believes it acted appropriately as authorized by contract or law Retrieval-Masters Creditors Bureau, Inc. FL 321XX Older American Consent provided Web 05/20/2015 Closed with explanation Yes No 1380157
233736 05/31/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid Debt to XXXX was satisfied when account was closed and all equipment was returned, XXXX 2014. NO further contact from XXXX XXXX, however, 13 months later this " collection '' shows up on on my credit report. NO prior written or phone communication. I have attempted to contact this Debt Collector and can not get any information pertaining to my account from them. \n Company believes it acted appropriately as authorized by contract or law Focus Holding Company TX 787XX Servicemember Consent provided Web 05/31/2015 Closed with explanation Yes No 1399332
234050 06/26/2015 Payday loan Payday loan Received a loan I didn't apply for Received a loan I didn't apply for I received a {$500.00} loan from Kickstand Lending that was deposited into my checking account. I called my bank and them right away. They agreed to remove the {$500.00} from my account and stated they would remove the fraudulent inquires on my credit reports. All but XXXX has removed the inquiries. This is very degrading on my report! I have no reason to ask for a payday loan and do not want that reporting as it is fraud. I filed a few complaints with XXXX about this and they have yet to remove it. I have great credit and charge and pay my bills. I do not want my creditors thinking that I 'm asking for a cash loan of any kind. \nCan you please help me with this? I would really like it removed completely from my XXXX report. You can check to make sure it is fraud. I greatly appreciate all of your help in the past and in the future. You 're doing a great justice for many! \nI can also supply my bank statement with this deposit if necessary. \nThank you. \nRegards, XXXX \n Company believes it acted appropriately as authorized by contract or law Advance America, Cash Advance Centers, Inc. FL 346XX Older American Consent provided Web 06/26/2015 Closed with explanation Yes Yes 1440996
234136 06/26/2015 Student loan Non-federal student loan Dealing with my lender or servicer Trouble with how payments are handled I 'm not satisfied with Well Fargo 's response concerning this student loan. This loan was opened by my dad several years ago without my knowledge. I discovered the loan was opened in my name 3 years later when applying for a car loan. My dad advised that he would continue to pay on the loan, and not to worry. Never mind the fact that I never received a notice or statement from Wells Fargo concerning this loan prior to me reviewing my credit file. My dad is now retired and due to XXXX is unable to maintain the monthly bill for this loan. \n\nAlthough I never agreed to this loan, I do not want to pursue criminal charges against my dad, BUT I do not agree with Wells ' Fargo business practices concerning my dispute about this loan. This loan has gone into default twice and has been reported as 30 days late to my credit bureau. I 've told my dad countless times that if he thinks he is not going to be able to make the payment to contact me before it becomes late so that I can try to cover the payment. However, that has not happened. My mom did let me know that due to my dad being out of work and without a car due to a car accident, that he will not be able to make a payment on time. \n\nI contacted Wells Fargo today, because I feel that I 'm left out of the loop in terms of when a payment is due, if it 's behind, etc. The only time I 'm made aware that a payment is due, is when it 's already BEHIND!!! How is that fair for a consumer who is only trying to do the right thing by repaying a loan that was never requested by her? Additionally, my request to Wells Fargo was to grant me access to view this account online, so that I do not find myself in the same predicament and wind up with another 30 day late reporting on my credit file. The representative, although pleasant, did not have any options to assist me. She advised me as a co-signer that I do not have access to view the loan online, only the borrower can, and also advised to get a monthly statement, I would have to call in and request it!!! Again how is this fair??? \n\nI 've come to terms that Wells Fargo is not going to do the right thing and remove my name from this loan, but to not give me all the tools to manage the loan, by granting me online access, which is how I maintain all my other bills, which are paid on time, might I add!!! Then to state I have to call in to request a statement each month is mind-boggling, BUT if a payment is behind, there is no hesitation in reporting this on MY credit file. I feel that this is not only unfair, by unlawful, and it feels they are putting me in a position where I always have to worry about whether this bill is going to be paid on time. It has caused me great stress, and has prevented me from being able to obtain a competitive home loan. With this recent 30 day late on my credit file, my score dropped XXXX pts.!!! \n\nMy request from Wells Fargo at this time is to do the right thing, which would be to remove these 30 day lates from my credit file, since they do not give me the proper tools to manage this loan. I also request that if they are not going to remove my name from this loan that they also grant me access to view and make payments online, and mail monthly statements without me having to request them each month. I do n't think this is a lot to ask for. \n Company chooses not to provide a public response Wells Fargo & Company VA 232XX Servicemember Consent provided Web 06/26/2015 Closed with non-monetary relief Yes No 1439308
234160 06/12/2015 Debt collection I do not know Communication tactics Frequent or repeated calls every single day I receive a robo-call in XXXX and XXXX for the past 4 months from an unknown debt collection agency called Commonwealth Financial Systems at XXXX. \n Company believes it acted appropriately as authorized by contract or law Commonwealth Financial Systems, Inc. FL 330XX Older American, Servicemember Consent provided Web 06/12/2015 Closed with explanation Yes No 1418754
234248 06/12/2015 Debt collection Auto False statements or representation Attempted to collect wrong amount Bank Of America withdrew funds from my account without my knowledge or authorization. They claimed I owed XXXX on a reposessed RV, I disputed the debt XX/XX/XXXX. Bank of America did not provide written verification of the debt. Instead Bank of America made an unauthorized withdrawal of XXXX on XX/XX/2015. I am enclosing documents to show the dispute, unauthorized withdrawal and letter from my attorney. Company chooses not to provide a public response Bank of America TX 765XX Servicemember Consent provided Web 06/15/2015 Closed with explanation Yes No 1418801
234268 05/22/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Frequent or repeated calls They are calling my home and cell repeatedly at all hours insisting that I pay {$200.00} plus dollars more than I owe for processing fees, when I offered to pay what I had and thought that I owed, they refused to take my payment and continued to call multiple times a day. My husband tried to make a payment plan and they again refused to take partial payment insisting on more than we could afford, even though I explained that my husband had suffered a XXXX XXXX and is now a XXXX XXXX veteran and we are trying to recover financially. They call my home and XXXX of our cells repeatedly. \n Company believes it acted appropriately as authorized by contract or law Aspen National Financial, Inc. AL 352XX Servicemember Consent provided Web 05/22/2015 Closed with explanation Yes No 1389684
234494 06/06/2015 Debt collection Credit card Taking/threatening an illegal action Threatened to sue on too old debt I was contacted by a Law firm by a man named XXXX XXXX, stating they were from XXXX and XXXX Law Firm and they stated I was being sued by Bank of America. I told them the debt was not mine and that it was opened in my name when I was XXXX or XXXX years old by my parent. He stated that we could settle the debt for {$1500.00} if I paid now with XXXX percent down to avoid going to court or we can make monthly payments of {$150.00} and pay a balance of {$3100.00}. I told him I would call him back after speaking to my parent. I then contacted Bank of America and spoke with a representative. She stated that there was no one from Bank of America that was suing me and that they sold the debt to a company called XXXX XXXX. She told me it was sold in XXXX 2009 for the amount of {$1500.00} and that again, there was nothing in her records that said that Bank of America is suing me. I read on the statute of limitations in the state of XXXX and XXXX that I can not be sued for this because this is an open-end credit card and the statute of limitations has ran out. I feel harassed by this company for using scare tactics to collect a debt that I feel is not mine and harassing my other family members by calling them multiple times. \n Company chooses not to provide a public response Bank of America IL 620XX Servicemember Consent provided Web 06/06/2015 Closed with explanation Yes No 1409235
234790 05/23/2015 Payday loan Payday loan Can't stop charges to bank account Can't stop charges to bank account I took out a payday loan with a company called CashNetUSA in XXXX. There address is XXXX XXXX XXXX XXXX XXXX XXXX, Ill XXXX. There telephone number is XXXX. This is an online lender. \nDuring the time I took the loan, I had changed employment which has now affected my income and paydates. I am paid XXXX monthly. When I realized that I would not be able to pay the high interest to extend the loan for another XXXX weeks I emailed the company explaining my situation to and asked them to change the due date that I would be able to meet. The notification went nowhere with them and they have debited my checking account twice adding insufficient fees to my account. \nThey have called me and they just do n't listen. I have every in tention of paying them back but will never do business with this firm again.In my opinion these payday loans should be illegal. \n Company believes the complaint is the result of a misunderstanding Enova International, Inc. NV 891XX Older American Consent provided Web 05/23/2015 Closed with explanation Yes No 1390114
234837 06/06/2015 Debt collection Payday loan Communication tactics Called after sent written cease of comm I have a debt I can not currently pay. In order to stop their continuous calls I sent a certified cease and desist letter in accordance with the law that was received on XXXX XXXX, 2015 at XXXX per the post office ( electronic receipt ). A day later and on they are still calling me repeatedly. \n Company chooses not to provide a public response Cottonwood Financial Ltd. TX 750XX Older American Consent provided Web 06/06/2015 Closed with explanation Yes Yes 1409342
234854 05/23/2015 Debt collection I do not know False statements or representation Impersonated an attorney or official On XXXX ( XXXX ) XXXX a law firm named XXXX, XXXX, XXXX and XXXX filed a lawsuit citing that they represented XXXX for a debt and did not name the creditor or identify the debt source. The citations do not show that XXXX XXXX XXXX was ever served the citations as they are not signed. There was no other information sent notifying XXXX of the debt identification or how to resolve the claim. XXXX XXXX XXXX passed away on XXXX XXXX, XXXX after an extended illness. On XXXX XXXX, XXXX a totally DIFFERENT law firm ( Jenkins, Wagnon, and Young ) showing that they represented XXXX XXXX, XXXX ( which is not the original debtor shown on the citation in XXXX - different collection company name and different debtor ). There was no citation sent according to county records to attempt to notify XXXX or her estate of the claim. There was no no validation of the debt and no information sent disclosing what this debt is, the original creditor, and allowing the person OR the estate the opportunity to validate the debt. There are some legal time issues that also apply on filing or collecting within a year of the death of a person. \nThis action is an unfair debt collection action. They have misrepresented information and facts about the original suit, the original debt collector and the law firm filing the suit are totally different entities that the judgement action entities. In addition, no notification was sent or served for the judgement action entities, no opportunity to validate the debt or respond to the action action was afforded either XXXX XXXX or her estate and respresentatives. This judgement was also filed over 18 months after the death of XXXX XXXX. \nThere has been no response or acknowledgement of the original complaint and there has been no real response to my initial attempts to contact the creditor and communicate with them. Discussions with the original law firm disclosed that they will not be filing or asking for further action or judgement. I have no ideal what the debt is supposed to be as there was no disclosure of what they are claiming is owed, what kind of debt it is, whom it was owed to and other accounting information that would need to be disclosed to validate it. \n Company believes it acted appropriately as authorized by contract or law Jenkins, Wagnon & Young, P.C. TX 787XX Servicemember Consent provided Web 05/23/2015 Closed with explanation Yes Yes 1390109
234861 06/06/2015 Debt collection Mortgage Cont'd attempts collect debt not owed Debt was paid Since XXXX XXXX XXXX XXXX ( Under Lender Live XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX ) assumed my mortgage debt from XXXX In XXXX 2015, I have experienced nothing but harassing phone calls and now false reports on my credit report. Each month through multiple harassing calls I have informed and provided documentation that my mortgage has been paid for the month and that the lender has cashed the check. Each month is a different excuse, such as : they misread the account on the check or when I sent it through their web site, I was told it was the wrong account. Now they are sending letters not to my mailing address, but to the house ( which is rental property ). Also, they have began placing late payment information on my credit report. I have documentation of all cancelled checks, verification of payments submitted, and email correspondence where I have identified the issue each month and provided the information for them to correct. I have never been late on a mortgage payment or had any issues until this company assumed the mortgage. I would like this matter corrected and my credit report adjusted immediately. Your assistance is appreciated. \n Company believes complaint is the result of an isolated error Lender Live AE 091XX Servicemember Consent provided Web 06/06/2015 Closed with non-monetary relief Yes Yes 1409349
235115 05/23/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount I got a copy of my credit report an learned that a collection agency has the same debt listed on it XXXX with different account numbers and different amounts and more than what I actually owe the creditor I did business with. The debt is for an old utility account I that closed and I did not get in the final bill in the mail because I moved. I called the collection agency and they said they would investigate my concern about them listing the same bill XXXX and get back to me however they never did. I went to the utility company for the original bill and paid it in full and I want the collection agency to correct their reporting on all XXXX of my credit reports. \n Company believes it acted appropriately as authorized by contract or law F&T Financial Services, Inc. (Closed) CA 953XX Servicemember Consent provided Web 05/23/2015 Closed with non-monetary relief Yes No 1390062
235374 06/07/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine A company with the name of Credit Collection Services ( CCS ), web address of XXXX is claiming that a delinquent account from XXXX XXXX XXXX has been sent to them for collections in the amount of {$270.00} and has been reported to the credit bureaus. They give me the option to pay in full and have the issue resolved. \n\nThe problem is that I am current with my cable and internet ( in fact, I am using it to send this complaint XXXX and XXXX XXXX has not sent me to collections. Credit Collection Services can not provide an account number or any proof that I owe a debt other than reiterating that I owe it and my credit is harmed by not paying it. \n\nI have not received prior collection attempts from them or anyone else warning that I would be reported. I just suddenly received this letter that I already have been reported, but can repair my credit by paying them. The only option is to pay in full. There is no option for them to even prove the debt. \n\nAlthough they provide no account number, they provide a PIN number which is conveniently my zip code. \n\nDoing a brief web search, it is clear this company repeats this pattern on a regular basis. \n\n( Please give an extra option in the above drop down window. It is n't so much an attempt to collect a debt that is n't mine as much as it is an attempt to collect a debt that simply does n't exist. ) \n Company disputes the facts presented in the complaint CCS Financial Services, Inc. KY 402XX Servicemember Consent provided Web 06/07/2015 Closed with explanation No No 1409673
235635 05/18/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received I discovered my credit bureau reflected a collection for XXXX phone service via Harvard Collections. On XXXX XXXX, I called Harvard and spoke to a XXXX to request a copy of the letter she claimed was sent to me. I had already heard from XXXX prior collection agencies, and I disputed the claimed debt with very specific and documented reasons for my dispute. XXXX at Harvard claimed she would resend the letter via fax and email and remove the item from my credit bureau. This did not occur, so on XXXX XXXX, I wrote to Harvard with copies of my previous letter to other collection agencies explaining I did not agree with the debt and inviting litigation to resolve the matter. Instead on XXXX XXXX, 2015 I received a copy of XXXX 's erroneous bills. I wrote back to Harvard on XXXX XXXX explaining the bills were erroneous and in dispute. I have not heard back, and this item remains unjustifiably on my credit bureau. \n Company chooses not to provide a public response Harvard Collections, LLC IL 601XX Servicemember Consent provided Web 05/18/2015 Closed No No 1380934
235934 05/25/2015 Debt collection Federal student loan Improper contact or sharing of info Talked to a third party about my debt I asked for a validation of the alleged debt this was back in XXXX and they have yet to comply. They have defaulted on my Administrative process, I sent a cease and desist letter, they then sent all correspondence to a third party which is an attorney. But they have not validated the alleged debt, and this attorney and I do not have a contract, he is not licensed in my state of XXXX, he is in XXXX. I have all letters that they sent me as well as the attorney. I have a copyright for the name in XXXX. \n Company chooses not to provide a public response Financial Asset Management Systems, Inc. NY 142XX Servicemember Consent provided Web 05/25/2015 Closed with explanation Yes No 1390612
236024 06/01/2015 Debt collection Payday loan Communication tactics Frequent or repeated calls Past due on a payday loan and they are calling me while at work. \n Company believes it acted appropriately as authorized by contract or law DFC Global Corp CA 917XX Servicemember Consent provided Web 06/03/2015 Closed with non-monetary relief Yes No 1399464
236210 05/25/2015 Debt collection Payday loan Cont'd attempts collect debt not owed Debt was paid When I began to transact business with XXXX XXXX XXXX on XXXX XXXX, XXXX, I received {$5000.00}. To date, I have repaid {$6300.00} : The original {$5000.00} plus {$1300.00} extra. With no official notice to me, XXXX XXXX went out of business in XXXX XXXX yet, I unknowingly continued to pay towards the loan and follow all the rules handed to me by CashCall and XXXX XXXX who acted as debt collectors and continued to harass and collect thousands of dollars for XXXX. After discussing the loan with my tax preparer and embarking on my own investigating, I decided to stop paying XXXX, CashCall, and XXXX XXXX until I got answers. In XXXX of XXXX, I learned XXXX XXXX hired the XXXX XXXX XXXX XXXX XXXX XXXX. Nothing Attorney XXXX XXXX submitted to the Attorney General Office of Illinois around XXXX XXXX, XXXX sounded reasonable to me. Further, no one from the XXXX XXXX XXXX XXXX XXXX XXXX ever contacted me DIRECTLY, made XXXX phone call, left XXXX voice message instructing me to contact that LAW OFFICE, or delivered XXXX piece of mail instructing me to do the same. If any of this had occurred, I would have in turn, contacted an attorney and given that information to the attorney so that the attorneys could discuss the issues, not me. I was only instructed to contact XXXX XXXX, Customer Service Manager at XXXX and " work out a mutually agreeable settlement in this matter ''. These instructions were typed within Attorney XXXX response to the Illinois Attorney General XXXX. To me, this sounded like yet another invitation to speak with another customer service representative and be further kicked around again. I chose not to engage. \nFor an entire year following, no one called or wrote me until XXXX when a male representative from CashCall began calling and left a message for me to contact his office to set up payment arrangements. Shortly after, in XXXX and XXXX XXXX, I received debt collection letters from CashCall informing me I now owed balances of {$12000.00} in XXXX XXXX, and {$12000.00} in XXXX XXXX : Both balances being well over and above the original amount of {$5000.00} borrowed. After checking my credit reports with XXXX in XXXX of XXXX, I discovered that CashCall followed through on their threats to report negatively on my credit reports therefore further damaging my chances to receive honest credit from honest lenders. Surprisingly, nothing was ever negatively reported regarding either XXXX XXXX, CashCall, or XXXX XXXX in XXXX, or XXXX. I believe the only thing I ever saw was either CashCall or XXXX XXXX listed as a creditor on my reports but neither ever reported any dollar amounts or payment histories.XXXX was never listed and they were the ones I got the money from. I also believe when I XXXX began to complain back in XXXX of XXXX, the only thing I did see on my credit report was a " closed '' account. I thought since the account was " closed '', nothing else could or would be reported. I will verify what happened with the credit bureaus on a normal working day for accuracy because today is a national holiday. I will later be attaching the results from the bureaus. \n Company believes it acted appropriately as authorized by contract or law CashCall, Inc. IL 606XX Servicemember Consent provided Web 05/25/2015 Closed with explanation Yes No 1390583
236373 05/25/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received I advised this company that I was never notified you the original creditor of Owing this money. The account is due to be removed from my report in early 2016, but I paid the amount in full to clear it. Columbia recovery still reports to XXXX that I have NOT paid the collection. They ignored my communication to them that I was illegally never notified of owing the debt prior to being sent to collection. They continue to report as unpaid to transunion cespite being paid in full. The account is under XXXX ( XXXX ) XXXX. Please see the attached for correct address of this company \n Company believes the complaint is the result of a misunderstanding Columbia Recovery Group LLC WA 980XX Servicemember Consent provided Web 05/26/2015 Closed with explanation Yes No 1390589
236486 06/26/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I have receiving a pre-recorded message of a women voice debt collection agency on from XXXX XXXX with a account that is not mine. I believe I still have an account with which I was making payments, but due to hardship in 2013, I did n't have the money to continue payments. Now, I 'm on a fixed income. They keep calling but do n't say for who it is for. Please can your agency help! \n Company believes it acted appropriately as authorized by contract or law McCarthy, Burgess & Wolff, Inc. PA 171XX Older American, Servicemember Consent provided Web 06/26/2015 Closed with explanation Yes No 1440912
236658 05/26/2015 Debt collection Payday loan Cont'd attempts collect debt not owed Debt was paid When I began to transact business with Western Sky Financial on XXXX XXXX, XXXX, I received {$5000.00}. To date, I have repaid {$6300.00} : The original {$5000.00} plus {$1300.00} extra. With no official notice to me, Western Sky went out of business in XXXX XXXX yet, I unknowingly continued to pay towards the loan and follow all the rules handed to me by XXXX and Delbert Services who acted as debt collectors and continued to harass and collect thousands of dollars for Western Sky. After discussing the loan with my tax preparer and embarking on my own investigating, I decided to stop paying Western Sky, XXXX, and Delbert Services until I got answers. In XXXX of XXXX, I learned Western Sky hired the XXXX XXXX XXXX XXXX XXXX XXXX. Nothing Attorney XXXX XXXX submitted to the Attorney General Office of Illinois around XXXX XXXX, XXXX sounded reasonable to me. Further, no one from the XXXX XXXX XXXX XXXX XXXX XXXX ever contacted me DIRECTLY, made XXXX phone call, left XXXX voice message instructing me to contact that LAW OFFICE, or delivered XXXX piece of mail instructing me to do the same. If any of this had occurred, I would have in turn, contacted an attorney and given that information to the attorney so that the attorneys could discuss the issues, not me. I was only instructed to contact XXXX XXXX, Customer Service Manager at XXXX and " work out a mutually agreeable settlement in this matter ''. These instructions were typed within Attorney XXXX 's response to the Illinois Attorney General Office. To me, this sounded like yet another invitation to speak with another customer service representative and be further kicked around again. I chose not to engage. \nFor an entire year following, no one called or wrote me until XXXX when a male representative from XXXX began calling and left a message for me to contact his office to set up payment arrangements. Shortly after, in XXXX and XXXX XXXX, I received debt collection letters from XXXX informing me I now owed balances of {$12000.00} in XXXX XXXX, and {$12000.00} in XXXX XXXX : XXXX balances being well over and above the original amount of {$5000.00} borrowed. After checking my credit reports with XXXX in XXXX of XXXX, I discovered that XXXX followed through on their threats to report negatively on my credit reports therefore further damaging my chances to receive honest credit from honest lenders. Surprisingly, nothing was ever negatively reported regarding either Western Sky, XXXX, or Delbert Services in XXXX, or XXXX. I believe the only thing I ever saw was either XXXX or Delbert Services listed as a creditor on my reports but neither ever reported any dollar amounts or payment histories.Western Sky was never listed and they were the ones I got the money from. I also believe when I XXXX began to complain back in XXXX of XXXX, the only thing I did see on my credit report was a " closed '' account. I thought since the account was " closed '', nothing else could or would be reported. I will verify what happened with the credit bureaus on a normal working day for accuracy because today is a national holiday. I will later be attaching the results from the bureaus. \n Company chooses not to provide a public response Delbert Services IL 606XX Servicemember Consent provided Web 05/26/2015 Closed with explanation Yes No 1390992
236769 05/26/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Allied Collection Services, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, NV XXXX, calls my cell phone daily XXXX or XXXX times during the week, Mon-Friday. I do not have any debts, active or inactive and have no explanation why this company is calling my personal cell phone, they are on call block as I have nothing to discuss with them and my level of aggravation would be detrimental to my health. \n Company chooses not to provide a public response Allied Collection Services, Inc. (Nevada) GA 302XX Older American Consent provided Web 05/26/2015 Closed with explanation Yes Yes 1391121
236800 06/13/2015 Debt collection Credit card False statements or representation Attempted to collect wrong amount In XX/XX/XXXX I was involved in a Car accident. The XXXX XXXX which worked for XXXX XXXX had no insurance. He was a XXXX. I only had liability with my insurance company XXXX XXXX was the company. They would n't do any thing because I was n't at fault and only had liability insurance. I made the repair and charged it to my credit card and figured I would be reimbursed. The company did n't. I advised Bank of America about the situation and figured they would assist and they did n't I gave them all the information. That is insurance companies the other drive etc. They factored the debt. Now twelve years have passed and they are still bugging me. Furthermore, I just received a letter just as my credit was being reestablished. This was resolved back in XX/XX/XXXX and now it is reappearing and I 'm not sure why because according to the Fair Credit Reporting act time has expired. \n Company chooses not to provide a public response Bank of America WA 850XX Servicemember Consent provided Web 06/13/2015 Closed with explanation Yes No 1420273
236866 06/13/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Mars has placed XXXX collections on my credit profile that are un merited. I do not owe any money to Mars or XXXX. These charges were already investigated and proven to be fraudulent. I requested from XXXX a validation of the debt and they were un able to provide the requested information. \n Company disputes the facts presented in the complaint M.A.R.S. Inc. AZ 853XX Servicemember Consent provided Web 06/17/2015 Closed with explanation Yes Yes 1420072
236873 06/08/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine XXXX is trying to collect {$170.00} for a XXXX received that I purchased at XXXX XXXX. XXXX claims that I leased the receiver from them, however, XXXX and their agents have failed to substantiate their claim. They have ignored my written and verbal communication and continue to use harassment tactics to collect money on an unsubstantiated claim. \n Company believes it acted appropriately as authorized by contract or law ERC FL 329XX Servicemember Consent provided Web 06/10/2015 Closed with non-monetary relief Yes No 1410219
236929 06/13/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine We get a recurring robocall ( no human ) saying that we owe a debt of {$39.00}, demanding immediate payment or we will suffer " consequences ''. \n\nBy answering XXXX of the calls, I found out that the perpetrator 's website is www.penncredit.com. \n\nWhen I talked with him, he told me the address of the debtor, which is miles from where I live. The debt is not ours. But the robocalls continue to come. \n\nHelp! \n Company believes it acted appropriately as authorized by contract or law Penn Credit Corporation PA 174XX Older American Consent provided Web 06/13/2015 Closed with explanation Yes No 1420150
237014 07/02/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not disclosed as an attempt to collect Collection Company Name : Stephens Michaels & Assoc. \n\nRepresentative did not give her name until I asked, rep. never notified me call was attempt to collect debt, rep. never told me call was being recorded, rep. also claimed that there was supposed to be a pre-recorded message verifying all of those things before our call was connected ( implying auto-dialer ) but recording never happened. \n Company believes it acted appropriately as authorized by contract or law Stephens and Michaels Associates, Inc. VA 232XX Servicemember Consent provided Web 07/02/2015 Closed with explanation Yes No 1449151
237105 06/08/2015 Debt collection I do not know False statements or representation Impersonated an attorney or official " XXXX '' stated he was a process server serving a law suit and to report to " XXXX '' which is a phone number. He called me a load when i said that they cant serve papers over the phone. \n Company can't verify or dispute the facts in the complaint Western Portfolio Assets WA 989XX Servicemember Consent provided Web 06/12/2015 Closed Yes No 1410292
237333 06/01/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine About two weeks ago got a call from a lady looking for my brother-in-law who lives in ohio. I took her number and stated I would relay it when I talked to him. A week later she called again, I told her I had not discussed it with him yet but would. I then started getting auto ( robot ) calls to take care of this debt. The debt is not mine, I am on a no call list and am not responsible for my brother-in-laws debts. The calls are coming from XXXX, Illinois the number on caller ID is ( XXXX ) XXXX, when I discussed it with the people who would only provide the company name of Northern Alliance, they told me they did n't like the tone of my voice and may just keep it on the IT list to call. I do talk loud XXXX but is that a reason to use such tactics against people who they know do not owe the debt? So not only are they breaking the XXXX no-call laws ( because they know the debt is n't mine ) they are harassing me in attempts that I will strong-arm my brother-in-law. What they are doing is not only wrong, I feel it is illegal and morally wrong. I want the calls to stop, I have excellent credit ( at or over XXXX ) but that does n't make me responsible for debts made by my relatives much less those by marriage. \n Company believes it acted appropriately as authorized by contract or law Northern Alliance Management, LLC KS 660XX Servicemember Consent provided Web 06/01/2015 Closed with explanation Yes Yes 1400950
237502 06/26/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I mutually terminated my cable and internet contract with XXXX because of a job move from XXXX to XXXX XXXX XXXX XXXX where they have no coverage. Consequently, XXXX sent me a prepaid XXXX mailing box for me to return their equipment 's with instructions to drop it off at any XXXX store. Which I did and subsequently received a credit from them. However, I recently found out from my bank that there is a collection notice on my credit report from XXXX for un- returned equipment and as a result my mortgage application was turned down. After several phone calls to XXXX XXXX of their staff was able to locate the returned equipment but unfortunately for me the damage has already been done to my credit report just because XXXX failed to do their home work. \n Company believes complaint is the result of an isolated error Robinson, Reagan and Young PLLC MO 640XX Servicemember Consent provided Web 06/26/2015 Closed with explanation Yes Yes 1440669
237509 06/01/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid Today I received a treating message from XXXX XXXX XXXX XXXX. The intimidating message informed me if I did not respond to their message that they would make a decisionthat will harm me. \nTHE WAY IT SOUNDED MY LIFE WAS IN DANGER OR SOMETHING TO THAT AFFECT. \nTHIS CALL WAS LEFT BY XXXX. PHONE NUMBER XXXX XXXX XXXX XXXX. My case number XXXX. \nIn 2006 I paid off the overdraft. I panic like everyone because there was a bad storm approaching XXXX. This bank was with XXXX Bank. Check my credit. This is the only thing that keeps harassing me. \n Company chooses not to provide a public response Wells Fargo & Company SC 292XX Servicemember Consent provided Web 06/08/2015 Closed with non-monetary relief Yes No 1399574
237804 06/20/2015 Debt collection I do not know Disclosure verification of debt Not given enough info to verify debt i co signed for a friend on a lease about 4 years ago she had to sign XXXX leases since then that i did not co sign. all of a sudden i get a call that i owe money for what her judgement was because she broke the lease. they sent me a letter stating that i had 30 days to dispute and the would send supporting documents i sent them a letter and faxed them my dispute. they then began calling me XXXX a day for a period of time. they said that if i did n't pay they would put it on my credit report i asked them a number of time if they were going to send me the documentation they told me they had not received it i got a hold of the person who holds the lease and she called them and tried to set up payments but they refused to accept them now i have this on my credit report and i do n't think it was put on there properly are n't they supposed to give me documentation that the dept is mine \n Company chooses not to provide a public response FAIR COLLECTIONS & OUTSOURCING, INC. NY 146XX Servicemember Consent provided Web 06/20/2015 Closed with explanation Yes Yes 1428690
237817 06/26/2015 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Talked to a third party about my debt I was contacted by the firm of Robinson , Reagan & Young ( RRY ) regarding a disputed debt with XXXX XXXX. In their letter dated XXXX XXXX, 2015 RRY indicated that they would not submit negative information to a credit reporting agency about this credit until after 30 days had expired. I was notified by a credit monitoring service that RRY filed a collection notice with XXXX on XXXX XXXX 2015 ; with XXXX on XXXX XXXX, 2015 ; and with XXXX on XXXX XXXX, 2015. RRY failed to follow the terms of their letter and provide me with 30 days to contact them before reporting to the credit reporting agencies. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Robinson, Reagan and Young PLLC WA 986XX Servicemember Consent provided Web 06/26/2015 Closed with explanation Yes Yes 1440782
237819 06/02/2015 Debt collection Non-federal student loan Cont'd attempts collect debt not owed Debt was paid I took out student loans with XXXX. I paid and consolidated the rest of my loans. I contacted XXXX and they said I do not owe them anything and they do n't know why this other company is contacting me. I also asked the company for proof and they have not and will not provide it. I told them that I do not owe this debt and they just tell me I do. I also asked why they keep reporting on my credit and they tell me they are not. They also stated that if I do n't pay them then they will garish my wages and put a lean on my house and tax my taxes. They also informed me that I could end up in jail. \n Company chooses not to provide a public response SquareTwo Financial Corporation TN 373XX Servicemember Consent provided Web 06/02/2015 Closed with non-monetary relief Yes No 1401739
237830 06/02/2015 Debt collection Non-federal student loan Cont'd attempts collect debt not owed Debt was paid I took out student loans with Citibank. I paid and consolidated the rest of my loans. I contacted Citibank and they said I do not owe them anything and they do n't know why this other company is contacting me. I also asked the company for proof and they have not and will not provide it. I told them that I do not owe this debt and they just tell me I do. I also asked why they keep reporting on my credit and they tell me they are not. They also stated that if I do n't pay them then they will garish my wages and put a lean on my house and tax my taxes. They also informed me that I could end up in jail. \n Company chooses not to provide a public response Citibank TN 373XX Servicemember Consent provided Web 06/02/2015 Closed with explanation Yes No 1401740
237861 06/02/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I keep getting a robo call from Focus Receivables and they want me to call back. I do not owe anyone any money that I have not paid or that I have not resolved any issues with. I am suspicious, because they keep calling me with a recorded call and not a live body asking me to call them back. I have a suspicion that this is just a ploy to get me to call them, so they can obtain information from me. I believe this is a scam. \n Company can't verify or dispute the facts in the complaint Focus Holding Company CA 945XX Servicemember Consent provided Web 06/02/2015 Closed with explanation No Yes 1401752
238112 07/02/2015 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect My wife and I purchased carpets XXXX today financed through Wells Fargo on XXXX/XXXX/2014. On the anniversary of that date I was charged {$1500.00} at 27 % interest for one year of back dated interest on a loan that totaled {$5600.00}. At the time of sale it was never explained to me or my wife what the interest rates were or the stipulations on the 12 months no interest deal was. The salesman simply said interest would start after the 12 months. The salesmen spent a better part of XXXX hours showing us carpets he also filled out all the forums for us. While rushing us through the paper work he kept assuring us that this would be far less expensive than putting it on a credit card. As you can see with the documents provided they are all in his hand writing. At the end of the sale he gave me a small paper stating it was a receipt I needed to sign for. Again it was filled out by him. So I signed for it not realizing that it was not in fact a receipt but in actuality a credit agreement, that he filled out ahead of time. Looking at it I would never of agreed to such an unfair one sided agreement. The tactics used were predatory and took advantage of new homeowners that had no experience with such types of sales and loans. So as it stands now I paid {$2300.00} on a loan that 's principal has only gone down by {$630.00}. If it were explained to me honestly I would have either paid in full at the time of sale or put it on my credit card which is more than half the interest rate of the egregious 27 % given. \n Company chooses not to provide a public response Wells Fargo & Company NJ 080XX Servicemember Consent provided Web 07/08/2015 Closed with monetary relief Yes No 1449561
238168 06/15/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine This company is trying to collect a debt that has already been removed from my report. Amsher Collections tried to collect the debt last summer, and reported it to XXXX I disputed the information, which ultimately resulted in the removal of the account in question from my credit report. The account has now been readded by XXXX XXXX as they are trying to collect it. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Amsher Collection Services, Inc. MS 395XX Servicemember Consent provided Web 06/15/2015 Closed with explanation Yes No 1420651
238222 06/20/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt Have filed Complaints to XXXX XXXX XXXX. \nIn regards to the Enhanced Recovery Company # XXXX. \nXXXX XXXX XXXX, XXXX, XXXX. XXXX XXXX/XXXX/2015 sent a 30-day Validation Notice. \nHave asked Several times in the last 5 months to have the items removed. Contacted : XXXX XXXX, XXXX and XXXX. \nThe repositories do n't contact the Debt collections and their reply is they verified the information is correct. Need the item removed. Please! Next step is to file a Class Action Suit in regards to Title V of the Fair Debt Collections Act. \n Company believes it acted appropriately as authorized by contract or law ERC AZ 850XX Servicemember Consent provided Web 06/20/2015 Closed with explanation Yes No 1428638
238226 06/27/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I was notified by my staff XXXX that a debt appeared on my XXXX credit report. After investigating the item, it was determined that ATG Credit of XXXX was the organization that reported the fraudulent debt of {$160.00}. I have never been late on any account and further, my accounting team has never received a late notice for any of our accounts. \n Company believes it acted appropriately as authorized by contract or law ATG Credit, LLC OH 452XX Servicemember Consent provided Web 06/27/2015 Closed with non-monetary relief Yes No 1441299
238569 07/02/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount I was with XXXX for XXXX+ years. I decided to not renew because I was not satisfied with them. I was on a month to month contract, but, to simplify my life I just paid it annually in advance each year. The last renewal bill I did not pay. I switched alarm companies in XXXX. That same month I got a call from XXXX XXXX asking why I did not renew. I told the supervisor why and he stated he was sorry and asked what he could do to keep me as a customer. I told him I already switched XXXX and there was nothing. He said he would get back to me with a proposal anyway, I said fine, just email it to me. \nI never got that email and therefore did not even think about it. Sine that phone call I sold my home, purchased another and never gave this issue another thought until early this year, I noticed a collections on my credit report. They are claiming I owe {$330.00} for alarm services. Then I got to thinking about what happened. I had some questions. 1 ) Why are they charging me for almost a full year of service? 2 ) Why did n't the supervisor tell me this on the phone in XXXX when he knew I was with another company? 3 ) How long does it take to cancel a service for non payment? \nI called XXXX XXXX and they said they do not have the records anymore I have to deal with the collections company. \nI sent certified letters to the collection agency ( attached ) trying to resolve this and they are refusing my offer. I offered paying up to the time in XXXX that I spoke with the supervisor even though I feel I owe nothing. I think it is more than fair. I now understand that they require an advanced written notice to cancel. I think the supervisor had an obligation to notify me of this when I spoke to him on the phone. There was no way for me to know or remember this procedure from XXXX years ago. \n Company believes it acted appropriately as authorized by contract or law Express Recovery Services, Inc. FL 327XX Servicemember Consent provided Web 07/02/2015 Closed Yes Yes 1449721
238708 06/22/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt resulted from identity theft I received a notice of debt from the Fair Collections & Outsourcing of XXXX XXXX in XX/XX/XXXX by a phone call, which I clearly stated that was n't mine and was a result of identity theft. I demanded all pertinent documents used by the thief and they took over XXXX to provide. The thief used my maiden name and an unknown XXXX drivers license number to rent an apartment. In the application, the thief provided signatures that do not match to each other, and you can tell that the creditor did not do their due diligence to verify their identity as they failed in a few obvious areas : verify their previous residence and workplace, check their signature, and verify validity of their drivers license. \nAfter I sent in the affidavit and proof of my identity that included our lease agreement at our current address, utility bill, my husband 's XXXX military XXXX to XXXX XXXX XXXX, and copy of my paystubs, they proceeded with reporting this debt to the credit bureau XXXX days later. I will be sending another letter tomorrow ( enclosed with this complaint ) to demand that they stop all collection proceedings against me as I have provided everything they need. \n Company chooses not to provide a public response FAIR COLLECTIONS & OUTSOURCING, INC. NV 890XX Servicemember Consent provided Web 06/22/2015 Closed with explanation Yes No 1431156
238751 07/02/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid Our XXXX service started on XXXX/XXXX/XXXX, and ended on XXXX/XXXX/XXXX. There was a XXXX day cancellation clause that provided us a full refund if we were not satisfied with their service within XXXX days. We were within those guidelines, but have had said account sent to XXXX ) different Collection Agency 's now. At first, XXXX claimed that we did not return their equipment. We were told that they XXXX were going to send us " return boxes '', so we could return their equipment. We waited and waited, called numerous times about such boxes, yet never received any box ( es ) of any kind from them. So, we held on to the equipment. Then, we received our first notice ( via USPS XXXX from the first Collection Agency XXXX on XXXX/XXXX/XXXX. They were, of course, trying to collect {$710.00} from us, and I refused. That same day, I called XXXX, and was finally told to return their equipment to a local store, get a receipt and Fax the receipt to a given number ... which we did. In doing so, the bill would be " paid in full '', with no repercussions. Well, as of XXXX/XXXX/XXXX, we received another Collection Agency notice ( via USPS XXXX to pay ... again ... {$710.00}. That said day, I called XXXX and talked with a XXXX ( no last name available ). As he works on things behind the scenes, he asks me to call them back the followiing Tuesday XXXX XXXX/XXXX/XXXX XXXX, to find out the status of the " online adjustment ''. I DO have the receipt of returned equipment ( dated XXXX/XXXX/XXXX ). I call XXXX back on XXXX/XXXX/XXXX, get the full run-a-round, being transferred to 5 ( five ) different people, before getting hung up on by a XXXX ( no last name available ), whom is a Supervisor. They are still trying to charge us the monies listed above for the non-return of their equipment ( {$710.00} ). They, XXXX, are still trying to claim that due to my being so late in getting their equipment back to them, that I am still delinquent/laible for said charges. When I started to argue back with this XXXX, she put me on hold for second, then hung-up on me. She DID NOT return my call, yet she DID have my phone number. After being hung-up on by XXXX XXXX XXXX XXXX, I called right back and the person answering told me there is no XXXX as a Supervisor ... I hung up. Until this gets cleared up, the account is still in the hands of the XXXX Collection Agency ( Amsher Collection Agency, Inc ). And all the while, my credit is taking a huge hit. Also, just recently I found out, that XXXX had pulled my account out of the first Collection Agency 's office around ( XXXX/XXXX/XXXX - XXXX/XXXX/XXXX ). My wife and I have been doing our part in trying to work with XXXX. But they have to do their part too ... like sending return boxes when they said they would. When we returned the equipment to the local XXXX store, even the Sales Associate said how great the equipment looks for being in use for so long. I then told him the story, in which we had cancelled their service within XXXX days. Had XXXX told us we could return their equipment to a local store, we certainly would have. And a lot sooner too. I hope this information helps in getting XXXX ( and their associated Collection Agency ( s ) off our case, and have them help repair my credit report. I have filed a complaint with the Nevada Attorney General 's office as well as XXXX too. I will file as many Complaints as I need to! Such as : BBB, Consumer Affairs, etc. etc. \n Company believes it acted appropriately as authorized by contract or law Amsher Collection Services, Inc. NV 890XX Servicemember Consent provided Web 07/02/2015 Closed with explanation Yes No 1449831
238796 06/15/2015 Debt collection I do not know Communication tactics Frequent or repeated calls I am receiving calls from Focus Receivables Management claiming claiming "this is an attempt to collect a debt",\n\nwhen I called, the XXXX question I asked is "Is this a debt collection agency"\n\nthey hung up immediately,\n\nthe return call number is XXXX Company believes it acted appropriately as authorized by contract or law Focus Holding Company MI 482XX Servicemember Consent provided Web 06/15/2015 Closed with explanation Yes No 1420906
238801 07/02/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I owned XXXX a payment from when we moved. I paid XXXX on XX/XX/XXXX Just received ( XX/XX/XXXX ) a call at work about this paid debt. They stated it was not paid. To top it off, this debt is under my Wife 's name ' not mine. \n Company believes it acted appropriately as authorized by contract or law Focus Holding Company FL 336XX Older American Consent provided Web 07/09/2015 Closed with explanation Yes No 1449862
238871 06/15/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine for several months we are getting calls from Harris and Harris several times a week. We did call back XXXX, the debt belonged to someone else who does not live or has ever lived at that phone number. we informed them and asked them to stop -to no avail \n Company can't verify or dispute the facts in the complaint Harris & Harris, Ltd. IN 462XX Older American Consent provided Web 06/15/2015 Closed with explanation Yes No 1420985
238881 06/22/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine The company is ERC and it is a autodialed recording asking me to call back with a reference number provided. \nAccording to my financial records and the credit bureaus I owe no outstanding debit for which I am past due. \nMy telephone number has been on the no call list for years.. \nThe offending tel number is XXXX \n Company believes it acted appropriately as authorized by contract or law ERC GA 300XX Older American Consent provided Web 06/24/2015 Closed with explanation Yes No 1431238
238916 06/22/2015 Payday loan Payday loan Applied for loan/did not receive money Applied for loan/did not receive money I went into Monetary Management of California, Inc. d/b/aMoney Mart for a loan. I asked how much I would owe on a loan of XXXX dollars. And the woman said I would have to apply. I filled out an application and gave it to her. She demanded my id, proof of income, bank statement and other proof. She took my picture, fingerprint, called my bank to verify my account was in good standing, and had me sign a bunch of paperwork. Then after all that she checked something on a computer she told me she could not loan me. \nI asked why would she collect all my information and have me sign stuff as if I was going to get a loan. She said it was policy and that they get audited by the state. I asked for my check back and copies of my documents and she said no. \nShould n't they have told me no before all of that? \n\nXXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX \n Company believes it acted appropriately as authorized by contract or law DFC Global Corp CA 958XX Servicemember Consent provided Web 06/22/2015 Closed with explanation Yes No 1431283
238995 06/15/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid XXXX XXXX bundled their services into on account when I obtained a smart phone. After I received my XXXX bill from XXXX, I realized there was no way I could continue using the smart, cell phone without getting myself in serious financial trouble. I spoke with someone in customer service about my dilemma and requested that my wireless bill be separated from my television and land phone. That was accomplished, however, when paying my bill for the original service, the money was applied to the wireless account. The only way I could stop the excessive charges was to stop paying the entire XXXX service package. I still had my cell phone services with XXXX and I switched to XXXX where I previously had my cable services and am very satisfied with XXXX for the past four ( 4 ) years. XXXX " held my feet to fire '' for many months, charging me for wireless cell services that I did not use, could not use and had no intention of using. XXXX turned the account over to a collection agency in 2011 and subsequently it was turned over to XXXX ( XXXX ) more collection agencies. I disputed each agency handling the account and each XXXX closed and returned it to XXXX. I do not know which agency is reporting the item to the XXXX credit reporting agencies but it is a blemish on my credit record. I use only a debit card and do not have a credit card. I have a sixteen ( XXXX ) XXXX old automobile that I made XXXX ( XXXX ) payments on and was never late on any payment. It is time to replace the car but I ca n't because of the XXXX bill on my credit record. I am XXXX ( XXXX ) years old. \n Company believes it acted appropriately as authorized by contract or law First National Collection Bureau, Inc. FL 342XX Older American, Servicemember Consent provided Web 06/17/2015 Closed with explanation Yes No 1421110
239149 07/03/2015 Debt collection Medical Communication tactics Frequent or repeated calls On or about XXXX XXXX, someone from your company called my client and said they were an attorney and threatened to keep increasing the balance on the account. Also, my client has continued to receive harassing phone calls from your company where he is insulted and talked down to. \n Company believes it acted appropriately as authorized by contract or law Capital Accounts, LLC NC 275XX Older American Consent provided Web 07/03/2015 Closed with explanation Yes No 1450837
239444 05/26/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine When applying for a mortgage I discovered a debt listed on my credit report that I do not believe I owe. \n\nThe account was for {$110.00} from a company called XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, PA XXXX. It was dated as being opened in XXXX. \n\nI sent a letter to XXXX XXXX asking that they provide me with the amount I owed, the name of the creditor to whom the debt is owed, verification of the debt, and proof they were licensed to collect the debt. They failed to respond to my letter and I filed a dispute with all three credit bureaus which resolved in my favor and the invalid debt was removed from my credit report in XXXX of XXXX. \n\nRecently I received an alert from my credit monitoring agency and they informed me that this debt has reappeared on my credit report under a different company. \n\nEnhanced Recovery CO of XXXX XXXX XXXX, XXXX, FL XXXX is reporting that I owe them {$110.00} and they set the date of the collection as of XXXX/XXXX/XXXX instead of the previous XXXX date in attempt to prolong the duration this invalid debt would stay on my credit report which I believe is a misrepresentation of the debt and a violation of the Federal Fair Debt Collection Practices Act. Enhanced Recovery CO has also failed to send me an initial communication as required by the Colorado Fair Debt Collections Practices Act. \n Company believes it acted appropriately as authorized by contract or law ERC CO 813XX Servicemember Consent provided Web 05/26/2015 Closed Yes No 1390832
239635 06/22/2015 Debt collection Other (i.e. phone, health club, etc.) Taking/threatening an illegal action Threatened to sue on too old debt Back in 2009, I was hurt at work and was given a settlement of {$4000.00} in the form of a check. I then took the check to Wachovia bank to cash. I ended up opening a checking and savings account putting about $ 500- {$800.00} in checking and {$2000.00} in savings. Within a month i spent all that was in my checking and in turn had to transfer funds to my checking from my savings. I lost track of the fees that were accumulating everytime i transferred and before long I was {$300.00} in the negative. All due to fees. Shortly after Wachovia gets bought over by Wells Fargo who I have an account with now. \n Company chooses not to provide a public response Wells Fargo & Company SC 292XX Servicemember Consent provided Web 06/22/2015 Closed with non-monetary relief Yes No 1431412
239804 06/09/2015 Debt collection Credit card Communication tactics Frequent or repeated calls This is an old XXXX gas card. I told this same collection agency and XXXX, THIS card was used by another person for unauthorized use. \nI had a cousin who i helped, unfortunately HE used this card without my permission on numerous occasions. After he moved he wrote me and told me. \nthis collection XXXX XXXX XXXX XXXX XXXX Ca XXXX XXXX \n Company believes it acted appropriately as authorized by contract or law The Moore Law Group CA 925XX Older American, Servicemember Consent provided Web 06/29/2015 Closed with explanation Yes Yes 1413729
239827 06/09/2015 Student loan Non-federal student loan Dealing with my lender or servicer Having problems with customer service daughter received loans from wells fargo, daughter does not reside in this house. i constantly receive calls daily from wells fargo, XXXX, north dakato when answered, their computer/person hangs up ... \n Company chooses not to provide a public response Wells Fargo & Company OH 435XX Servicemember Consent provided Web 06/09/2015 Closed with explanation Yes No 1412052
239882 05/26/2015 Payday loan Payday loan Charged bank acct wrong day or amt Charged bank acct wrong day or amt lender charged my bank 2 days before agreement. Then charged XXXX times in one day, racking up insufficient funds fees \n Company chooses not to provide a public response Delbert Services TX 760XX Servicemember Consent provided Web 05/26/2015 Closed with explanation Yes No 1392252
239888 06/09/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt was paid I and another person had gotten in an accident on XX/XX/XXXX. I filed a claim with My insurance ( XXXX ) and they took care of everything. XXXX XXXX, the company of the other person n the accident, is using Recovery Partners LLC to collect a debt that has already been paid in full. It is concerning a claim that they said happened on XX/XX/XXXX. It happened on XX/XX/XXXX and my insurance XXXX too care of it. They have been rude, threatened to take away my license if I do n't pay the sum of {$2500.00}. I am and was insured on the date of the accident. Do not use XXXX as they use strong arm tactics and try to make you pay a bill already paid. \n Company believes it acted appropriately as authorized by contract or law Recovery Partners, LLC CA 921XX Servicemember Consent provided Web 06/11/2015 Closed with explanation Yes Yes 1412083
239971 06/02/2015 Student loan Non-federal student loan Can't repay my loan Can't decrease my monthly payments XXXX from the University of XXXX in XX/XX/XXXX. In XX/XX/XXXX I was diagnosed with a XXXX. Working as a regional airline pilot during time of medical leave we are not paid. During this time I was unable to pay my extremely high student loan payment of {$1000.00} a month. After contacting the lender they offered no assistance with lowering or modifying the payment to become affordable while on medical leave. With this the loan went into a state of past due and has damaged my credit to the point where I can not get approved for other consolidation loans to fix this issue. Wellsfargo also stated that I can not receive a loan modification because my co signer and myself still meet the requirements for a loan with them. However we were recently denied a request for a new consolidation loan with them. Making less than {$20000.00} a year a minimum payment of {$1000.00} should be restricted. \n Company chooses not to provide a public response Wells Fargo & Company IL 605XX Servicemember Consent provided Web 06/02/2015 Closed with explanation Yes No 1401947
240100 06/22/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine This bill belongs to my ex wife for her child, XXXX XXXX who is not my child. The military allowed step children to be on my insurance. This DOES NOT make me responsible for her bills. Her parents, XXXX XXXX and XXXX XXXX are responsible for this bill NOT ME. We were separated and preparing for divorce at the time. I never signed taking responsibility for her bills other than providing insurance coverage for her as allowed by law. Allowing the childs mother to put me as being responsible for their child does not make me legally responsible for their bills. \n\nThere are XXXX accounts for this child that have been sent to collection in my name! I want all XXXX removed immediately! \n Company chooses not to provide a public response P.S.C., Inc WA 980XX Servicemember Consent provided Web 06/22/2015 Closed with explanation Yes Yes 1431743
240448 07/05/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine i have continued to write Jefferson Capital Systems , LLC and XXXX XXXX XXXX, requesting that they verify the alleged debt. As of this date they have continued to contact me at work and home at all times of the night demanding that A paid this debt. I have never had an account with XXXX XXXX. After repeated communication to these agency 's they continue to make threats. I am filing this complaint to request the Consumer Financial Protection help in resolving this matter. I received a phone call from one of XXXX, telling me that they are going to report me to the XXXX XXXX were I am employed. \n Company believes it acted appropriately as authorized by contract or law CL Holdings, LLC DC 200XX Servicemember Consent provided Web 07/09/2015 Closed with non-monetary relief Yes No 1451405
240484 07/05/2015 Debt collection Medical Communication tactics Frequent or repeated calls Debtor contacted my sister in another state, Georgia, about my debt. My sister is not a party to any debt that I owed. She has been contacted several times in XXXX via phone. I consider that a violation. In addition, I am contacted incessantly. I am trying to find out if the hospital has requested this. \n Company believes it acted appropriately as authorized by contract or law Phoenix Financial Services LLC TX 770XX Older American Consent provided Web 07/05/2015 Closed with explanation Yes Yes 1451418
240527 07/05/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine In XXXX of 2009 I called XXXX and placed an order to provide/connect my home with DSL Internet Service. After ten days XXXX send their Tech Rep to my home, but he Could Not connect the DSL Internet, claiming that my home is not equipped with the proper jack and the cost to connect the service would be {$150.00}. I called ATT right away and told them that if they can not provide DSL Internet to my home then I am CANCELLING MY ORDER. They said that I still owe them {$55.00} which is the price/cost of one month of DSL Internet Service. How can I be BILLED for Service which I have NEVER HAD!? Could you please explain to me What I did Wrong in this situation and WHY do I owe {$55.00} to ATT? I would not agree to pay them even {$1.00} and would NEVER again order Any Services from ATT. Please let me know if you have any other questions. Thanks & Regards, XXXX \n Company believes it acted appropriately as authorized by contract or law ERC CA 927XX Older American Consent provided Web 07/05/2015 Closed with non-monetary relief Yes No 1451433
240710 06/28/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt To Whom it May Concern, Your company continues to report inaccurate reporting information to the credit bureaus on my credit file. The account you 're reporting shows a balance of XXXX dollars, which is grossly inflated. You have also continued to change the available credit line for this account monthly, even though the account was closed and charged off in XXXX of 2011. Your firm has violated ( including but not limited to ) the Consumer Credit Protection Act, the Fair Credit Reporting Act, and the Fair Debt Collection Practices Act. You have communicated and are continuing to communicate Fraudulent information in violation of the FCRA,12 C.F.R. 226.5 ( B ) ( 2 ) ( i ), and I.R.C. I.R.C. 166 ( a ) ( 2 ) \n Company chooses not to provide a public response Carmel Financial Corporation, Inc. NV 891XX Servicemember Consent provided Web 07/02/2015 Closed with non-monetary relief Yes Yes 1441819
240940 06/15/2015 Debt collection I do not know Communication tactics Frequent or repeated calls On XXXX/XXXX/13 a sales rep from XXXX XXXX XXXX came to my door to sell me a vacuum. He was very pushy and persistent, after expressing a number of times I really was interested and his still relentless push for me to just try the vacuum he had, to get him to leave I agreed to give the vacuum a try. I was told that if I did n't want it within XXXX days that all I had to do was call the sales rep and he would come back and get it with no obligation. I called the very next day and told him to please come get the vacuum, he said he would be over, but never showed up. My daughter and I called repeatedly in the next few days to ask the sales rep to come get the vacuum and he never did. Now XXXX years later this debt is showing on my credit and I never intended to keep the vacuum. I believe this sales rep preyed on older adults and used aggressive tactics to get clients to just take the vacuum so that once they did so he would then leave with never having the intent to come pick the unit up ever again and sticking people with an un wanted bill. \n Company believes it acted appropriately as authorized by contract or law Merchants Acceptance Corp CA 955XX Older American Consent provided Web 07/10/2015 Closed with explanation Yes No 1422127
241057 06/28/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt I was contacted by Procollect collection agency about an apartment i rented in 2013. during that time i gave a 45 day notice i would be breaking the lease and paid an % XXXX Re-Letting fee. a couple weeks later the apartment i was renting was rented to another person. a month after that my account was reported to collections even though they stated after the apartment was re-rented the only penalty i would pay was the re-letting fee i had already paid. i have contacted the collection agency XXXX asking for verification of the debt both times they told me the would e-mail it and mail it through the post office. Neither time did i receive any verification of the debt. i sent them proof of my 45 day notice of me breaking the lease and the money i paid for the re-letting fee. They then told me they would subtract the re-letting fee i paid from the principle debt. which they never did. and i still have no verification of this debt. \n Company chooses not to provide a public response ProCollect, Inc NY 120XX Servicemember Consent provided Web 06/28/2015 Closed with explanation Yes Yes 1441684
241068 06/28/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid There is no past due balance. I returned all equipment to XXXX XXXX. I did n't receive a Dunning Letter either. \n Company believes it acted appropriately as authorized by contract or law Southwest Credit Systems, L.P. NC 284XX Servicemember Consent provided Web 06/28/2015 Closed Yes No 1441689
241147 06/28/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine This is the XXXX communication from V & K regarding an alleged debt from XXXX due to disconnection fees. XXXX admits the debt is not valid because I disconnected my lines incident to a XXXX of station and invoked the SCRA. \n Company believes it acted appropriately as authorized by contract or law Valentine and Kebartas, Inc. AE 092XX Servicemember Consent provided Web 07/02/2015 Closed with explanation Yes No 1441569
241187 05/27/2015 Debt collection Auto False statements or representation Attempted to collect wrong amount My name is XXXX XXXX XXXX XXXX and I am reaching out to you regarding a PayPal transaction dated XXXX XXXX, 2015. This transaction was in connection with a motorcycle that I sold. I am an XXXX veteran and a XXXX in the XXXX XXXX. \n\nOn XXXX XXXX, 2015, I listed a XXXX Kawasaki Ninja for sale on eBay. The terms of the listing agreement were : the buyer would be responsible for vehicle pick-up, deposit of {$1000.00} XXXX within XXXX hours of the close of the auction, and {$1900.00} USD within 7 days of the close of the auction. On XXXX XXXX, 2015, I received a notification from eBay that XXXX XXXX XXXX had bought the XXXX Kawasaki Ninja ( license number : XXXX and VIN : XXXX ) for the full amount listed ( {$2900.00} ). XXXX XXXX sent {$1000.00} within an hour after the purchase and then {$2000.00} a few hours later. Both transactions were done using PayPal. \n\nOn XXXX XXXX, 2015, XXXX XXXX emailed me his phone number so I could contact him to make arrangements for him to pick up the motorcycle. I called XXXX XXXX on XXXX XXXX, 2015, and he told me that his address was XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX, which is 30 minutes away from my location. XXXX XXXX advised that he would pick up the motorcycle at my house. XXXX XXXX picked up the motorcycle and title document on XXXX XXXX, 2015 at XXXX at my residence, XXXX XXXX, # XXXX, XXXX, CA XXXX. On XXXX XXXX, 2015 I called XXXX XXXX and left a voicemail to make sure he made it back to XXXX safely and he responded by text that he already sold the bike to someone else. \nOn XXXX XXXX, 2015 I filed a transfer of liability with the DMV to advise that XXXX XXXX purchased the motorcycle. \n\nOn XXXX XXXX, 2015 I received a call from PayPal stating that XXXX XXXX claimed that he did not authorize the credit card transaction and was requesting a chargeback. On XXXX XXXX, 2015, PayPal advised that they disputed the chargeback with XXXX XXXX 's credit card company who had decided in the buyer 's favor. PayPal then advised me that I would be responsible for paying back {$3000.00} USD plus a {$40.00} fee. \n\nXXXX XXXX took the motorcycle into his possession on XXXX XXXX, 2015. He should be responsible for paying for the motorcycle under the terms stated in the listing agreement. I upheld my duty under the purchase agreement to surrender possession of the motorcycle to XXXX XXXX, so I am entitled to the purchase money listed in the purchase agreement. \n\nI have provided PayPal with all of the texts XXXX XXXX and I exchanged leading up to and after XXXX XXXX picked up the motorcycle, the transfer of liability that I filed with DMV, and the police report I filed with XXXX Police Department. I have contacted PayPal XXXX a week since XXXX XXXX to resolve the issue. They told me they filed a dispute with the Credit Card company but refused to send me any proof of the decision that was made. I 've also emailed the CEO to resolve the issue, and the account-review representative stated that the transaction was not covered under the Seller Protection Policy. \n\nPayPal 's User Agreement, Section XXXX, states that vehicles, including motorcycles, are not eligible for reimbursement under PayPal Purchase Protection. PayPal violates its own User Agreement and has refused to take any legal or financial action against the buyer to pay for the transaction through other means, but instead sent my account to collections. \n\nI will be filing a civil lawsuit against PayPal if they do n't resolve this matter right away. I am asking that PayPal clear the {$3000.00} negative balance on my account and pursue XXXX XXXX for the money he owes. \nThank you for your anticipated assistance in resolving this matter. I trust that you will investigate the situation and ensure that a member of the XXXX XXXX is not defrauded. \n Company believes it acted appropriately as authorized by contract or law PayPal Holdings, Inc. CA 958XX Servicemember Consent provided Web 05/27/2015 Closed with explanation Yes No 1393306
241453 06/29/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt The company is reporting that I owe a debt on m y credit report, once I called the organization I was told that they no longer own the debt but would not remove the item from my credit report. In addition, I was lied to by the first representative who told me that I could not get the company to remove the debt. I asked for a manager who told me that I did not have debt with them any longer and I told him I wanted the item corrected on credit report and I was told that it would be up to 45 days before that could occur. They also refused to let me speak to the in house attorney or a member of the administration team who handles credit reporting. \n Company believes the complaint is the result of a misunderstanding ERC GA 300XX Servicemember Consent provided Web 06/29/2015 Closed with non-monetary relief Yes No 1442035
241501 06/29/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine FIRST NATIONAL COLLECTION BUREAU sent me a debt collection notice dated XXXX XXXX, 2005, stating that I have a delinquent account related to XXXX. I have not had a XXXX account, and asked them for debt verification, including, but not limited to : Services Contract, documentation of where, where, and how the account was established. They responded by sending me a XXXX statement that is not mine, stating that this is validation of this debt. This is not correct, and I want to know all details of this account from alleged start to alleged finish. \n Company believes it acted appropriately as authorized by contract or law First National Collection Bureau, Inc. FL 335XX Servicemember Consent provided Web 06/29/2015 Closed with explanation Yes No 1442495
241514 05/27/2015 Debt collection Non-federal student loan Cont'd attempts collect debt not owed Debt was paid my debt was paid off in 1976 through a payroll deduction through the XXXX XXXX paymaster. I have been harassed by numerous collection agencies, over the past 40 years. I dont know where they get their information or why this debt collection persists. When I ask them for details of this debt, or to prove to me that I owe the debt, they respond by saying, " prove to us that you do not owe the debt. '' I refer to my XXXX XXXX pay records, and I dont hear from them until they pass the debt to another collection agency. Then is starts all over again \n Company chooses not to provide a public response Allied Interstate LLC AZ 864XX Servicemember Consent provided Web 05/27/2015 Closed with non-monetary relief Yes No 1393376
241734 06/15/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine The lady called asking for XXXX XXXX. When I told her she had the wrong number she continued to ask me questions. I told her that he was my ex husband and I have no contact with him and asked for her not to call. She then began to ask if I had children. I replied and told her that was none of her business. She then told he I was being rude so she would continue to call me everyday because I was rude and would not remove my number. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company ROC Asset Solutions, LLC MS 392XX Servicemember Consent provided Web 07/08/2015 Closed Yes No 1421907
241860 05/27/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine A company has reported a collection which is not mine. Please remove \n Company believes it acted appropriately as authorized by contract or law ERC TX 770XX Older American Consent provided Web 05/27/2015 Closed with non-monetary relief Yes Yes 1393468
241959 05/27/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine No heath care bill is owed to anyone, this is false and no verification was ever provided \n Company believes it acted appropriately as authorized by contract or law HCFS Health Care Financial Services, Inc. TX 770XX Older American Consent provided Web 06/11/2015 Closed with explanation Yes Yes 1393473
241964 05/27/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Unknown and not my debt. There is no way this social matches mine or date of birth please remove off of my credit file as a dispute was processed to the credit agencies and the credit agencies stated they verified which I do not believe is accurate. \n Company chooses not to provide a public response ProCollect, Inc TX 770XX Older American Consent provided Web 05/29/2015 Closed with explanation Yes No 1393471
241988 06/02/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine On XXXX/XXXX/2015 I contacted XXXX to cancel my auto policy before it renewed for the next term. The option to remove my payment information from my account was given to me and I verified with the associate over the telephone that I was paid in full and did not owe anything. She confirmed I had a zero balance and removed the payment information. I was previously sent XXXX shipping labels to return my XXXX devices and returned my device to XXXX ( Tracking # 's XXXX and XXXX ). My policy expired on XXXX, which is when my new auto insurance policy with XXXX began. \nApproximately XXXX/XXXX/2015 I received a notice from the XXXX XXXX XXXX, on Credit Collection Services letterhead. The notification stated that I had {$100.00} past due to XXXX. Upon contacting XXXX about this charge, they had not updated their system with my returned XXXX and had incorrectly charged a {$100.00} restocking fee for XXXX of the XXXX devices. I was sent an email on XXXX/XXXX/15 stating my device had been received and the {$100.00} fee was removed from my account. The associate who removed the fee from my account stated in a recorded conversation that she would contact the credit collection company to remove the {$100.00} past due and would contact her manager regarding removing the {$6.00} as well and " let me know '' what was decided. XXXX never contacted me to followup on this matter. I was called on my cell phone the next day from the Collection Agency attempting to collect {$100.00}. I refused to pay, as I had been told I did not owe {$100.00} and likely did not owe {$6.00}. I called XXXX again on XXXX and XXXX and paid the {$6.00} when the associate could not tell me what the fee was for, but I just wanted to clear my account balance. I spoke to a supervisor who told me that she would submit a " ticket '' to have the collection service agency notified of my zero balance. On XXXX I also called the credit collections service and spoke to a supervisor who told me ( in another recorded conversation ) she would put my file on hold and I could fax her a printout from my online XXXX account refecting my zero balance and my Declaration page from XXXX. I confirmed that the XXXX declaration page was what she wanted with the statement they sent as letterhead. On XXXX, I contacted the Collections service again because they still reflected a {$100.00} past due amount. I was told they had not received any information from me, despite my fax confirmation I had received when I sent the requested documentation. She said they did not keep any paperwork on file and that I would have to resend the fax because they did not scan documents or have the documents I already sent on file. I have since received a letter from XXXX, on their letterhead, reflecting my zero balance. I have faxed this, along with the previous documents I had faxed to the collections agency XXXX times since XXXX ( XXXX on XXXX and XXXX today [ XXXX ] ). \nThe credit collections service still shows a past due amount of {$100.00}. I spoke with " XXXX '' at XXXX on XXXX who verified that XXXX ticket was already submitted to the credit collections but he submitted a second while on the phone with me. \nI am issuing an official complaint since they have not taken action to rectify this situation before and adverse credit report is made in my name. I DO NOT owe XXXX money and this information and documentation has been sent REPEATEDLY to the collections service since receiving the mailed notice around XXXX. \n Company believes the complaint is the result of a misunderstanding CCS Financial Services, Inc. AL 352XX Servicemember Consent provided Web 06/02/2015 Closed with explanation No No 1402564
242018 07/06/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I was denied credit and I pulled my credit reports to find that I had 3 accounts in collections that appeared to be identity theft. I filed an identity theft claim and immediately began contacting the 3 collection agencies. The first two did not give me any run around regarding the affidavits however, Enhanced Recovery ( ERC XXXX first told me my wife that they would be deleting the account but on the XXXX of XXXX, my wife contacted them to get their affidavit sent again. She spoke with XXXX XXXX and he said the account would not be deleted and that she would have to file the affidavit. It is now the XXXX of XXXX and still no affidavit. My financial counselor called ERCand spoke with XXXX XXXX and he refused to send the affidavit out via email or fax. He said he would resend the affidavit via mail. \n\nI am trying to purchase a home and this incorrect collection account is standing in the way. \n\nThe ERC account number is XXXX. The original lender is XXXX XXXX number of XXXX. \n Company believes it acted appropriately as authorized by contract or law ERC LA 711XX Servicemember Consent provided Web 07/06/2015 Closed with non-monetary relief Yes No 1452181
242109 06/09/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid I am a Vet who receives XXXX XXXX XXXX. The VA pays 100 % of my treatment to hospital 's, I have XXXX services provided when I am in need of. The hospitals agree to except payment in full from the VA when payments are submitted. Outside collection agency, Enhance Recovery Company, LLC phone # XXXX XXXX \n Company disputes the facts presented in the complaint ERC LA 704XX Servicemember Consent provided Web 06/09/2015 Closed with explanation Yes No 1412887
242142 07/09/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I receive at least 10 calls a month for a XXXX XXXX for a debt that he owes. My last name is XXXX. There is NO XXXX XXXX living at my residence, in my family or even a friend. I have been instructed by a electronic voice to hang up if I am not XXXX XXXX. When I do, they continue to call. I have called them, they have apologized and said my number would be taken off the list. It has not. I am being harassed by these people and would like the calls to stop. \n Company can't verify or dispute the facts in the complaint Lustig, Glaser & Wilson, P.C. MA 027XX Servicemember Consent provided Web 07/16/2015 Closed with explanation Yes No 1460882
242223 07/10/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid Southwest Credit Systems has refused to remove this entry from my credit report after verbally promising to do so during a correspondence call after the debt was paid. \n\nSouthwest Credit Systems has not provided proof XXXX written documentation ) of assigned ownership of account XXXX validation ) and continues to report a paid debtAgency has not provided appropriate documentation to show how and where the fees came from as it relates to the original debt indicated on my credit report in an itemized statement. \n\nNo itemized information about proof of last activity date was provide to me. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Southwest Credit Systems, L.P. TX 786XX Servicemember Consent provided Web 07/10/2015 Closed Yes No 1461368
242418 06/29/2015 Debt collection Auto Cont'd attempts collect debt not owed Debt is not mine Debt collectors keep calling about a debt that I do not owe on, I told them numerous times to stop calling and they keep calling every hour, harassing me. \n Company believes it acted appropriately as authorized by contract or law USAA Savings SC 294XX Servicemember Consent provided Web 07/01/2015 Closed with non-monetary relief Yes No 1442351
242776 06/09/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I received a letter from Central Credit Services LLC and it stated that I owe XXXX {$100.00}. However my account with XXXX has been closed and paid since XXXX 2014. I called XXXX to double check that I did indeed pay my bill and received confirmation that I did in fact pay them in full and do not owe them anything. They have also been calling my daughter 's phone constantly for the last 2 months. \n Company chooses not to provide a public response Radius Global Solutions LLC ND 587XX Servicemember Consent provided Web 06/09/2015 Closed with explanation Yes No 1413084
244023 07/06/2015 Debt collection I do not know Taking/threatening an illegal action Threatened to sue on too old debt My wife and I have been getting harassing phone calls on our cell phones and at work about a debt we know nothing about. ( They called her XXXX in the last 5 days at work and told her manager she would be served papers at work when she returned ) they are claiming we owe a debt to Wells Fargo from 2005 ( well past the 6 year statute of limitations in Washington state ) they say we are going to be sued and that her wages will be garnished. they wo n't give us any more info without disclosing sensitive information with them. \n Company chooses not to provide a public response Wells Fargo & Company WA 980XX Servicemember Consent provided Web 07/06/2015 Closed with explanation Yes No 1452843
244087 06/03/2015 Debt collection I do not know Communication tactics Frequent or repeated calls Focus Receivables Management. This company has been ROBO calling XXXX times per day, every day for XXXX months. The caller is using an " Unknown '' caller ID and also calls from XXXX. There is no person on the line, just a recording telling me to call a different number. I do not wish to receive calls from this company and have asked them to stop as I have retained an attorney. \n Company believes it acted appropriately as authorized by contract or law Focus Holding Company IL 605XX Servicemember Consent provided Web 06/03/2015 Closed with explanation Yes No 1403933
244093 07/06/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt Upon receipt of the enclosed notice, I am sending this letter to regarding my response to ( See Enclosed file Attached ) notice I received from Enhanced Recovery Company , LLC on XX/XX/XXXX. First and far most, this appears to be a fraudulent statement. Any one or any agency can submit an invoice of this nature to a consumer demanding a payment from a company. For example, according to this questionable billing statement, implies this service could have possible been provided to a XXXX - Here is my advice, Please provide consumers with specific details for the address as to where this service was provide. Next, I never received any Billing Statement from XXXX saying that I still owe this amount after closing the account XX/XX/XXXX. XXXX XXXX years ago ) Furthermore, I am in dispute of any XXXX XXXX provide during this time, since there have been reports released alleging " A class action lawsuit filed in Superior Court accuses XXXX of unfair and deceptive business practices, claiming the company charges customers for services they did not receive during time periods in which their XXXX services were suspended and/or disconnected. '' XXXX of consumers have been harmed financially and emotionally by their illegal and unethical practices. What many consumers may not realize is that they have legal rights. \n\n\n\nBe advised, this is not a refusal to pay, but a notice sent pursuant to the Fair CREDIT BILLING ACT, and validation is requested. Also, this is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. \n Company believes it acted appropriately as authorized by contract or law ERC GA 314XX Older American Consent provided Web 07/08/2015 Closed with non-monetary relief Yes No 1453595
244299 06/03/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was discharged in bankruptcy An apartment complex is attempting to collect fees associated with the unit we ( my now wife and I ) shared for repairs which the apartment complex refused to fix during the time we lived there. My wife filed for bankruptcy in 2012 and the amount owed was discharged. The credit bureaus and the collection agency are refusing to remove the debt. Louisiana bankruptcy laws considered the debt community property and even though I did n't file, it is to be discharged for the full amount. \n Company believes it acted appropriately as authorized by contract or law Advanced Collection Bureau, Inc. TX 774XX Servicemember Consent provided Web 07/22/2015 Closed with explanation Yes No 1404029
244311 06/16/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Threatened to take legal action Repeatedly called and called my husband and disclosed my debt to him as well as threatened me with legal action. Claimed they sent me notice in mail did not receive so sent me email instead. I wanted written verification and said they could not do that. \n Company chooses not to provide a public response Eastpoint Recovery Group, Inc FL 330XX Servicemember Consent provided Web 06/18/2015 Closed with explanation Yes No 1423401
244417 07/06/2015 Debt collection Mortgage Cont'd attempts collect debt not owed Debt was paid I was told that the mortgage was paid in full and Green Tree Servicing cancelled my homeowner 's policy and sent me a letter indicating that the insurance was cancelled because the loan was paid in full. Subsequently, they have called me constantly, from morning until night demanding more money. I sent them an additional XXXX last month and I am still receiving threatening letters insisting that I still owe more money. I requested a payoff and the payoff says that I owe XXXX even though the statements I have received say that I owe XXXX in principal and XXXX in escrow. Every time they call here, I have requested an explanation for this discrepancy and in addition I have called countless times to try to get a straight answer but they never provide XXXX. " Someone will research it and get back to me, '' or " they 're looking into it and will call me back, '' but they never do. Still, the collection calls and letters keep coming. This is so stressful that I feel sick. \n Company believes complaint is the result of an isolated error Ditech Financial LLC OH 443XX Servicemember Consent provided Web 07/06/2015 Closed with explanation Yes No 1453011
244537 07/10/2015 Debt collection Medical Disclosure verification of debt Right to dispute notice not received They have not communicated directly with us, with proof that they actually hold the debt, what the current balance is, and how to pay it. \n Company chooses not to provide a public response States Recovery Systems, Inc. CA 953XX Servicemember Consent provided Web 07/10/2015 Closed with explanation Yes Yes 1462482
244771 07/10/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount This is regarding XXXX XXXX billing me for services on a home I sold on XX/XX/XXXX, which they were advised of before the sale. They even came out and did the final inspection for the sale. I noticed that it was on my credit report when I looked on XX/XX/XXXX, so I sent them a check for {$86.00} Check # XXXX thinking that would take care of it and get it off my collection report. But that did n't happen. Now they have turned it over to XXXX credit reporting agencies - Focus-RM on XXXX and Focus MGMT on XXXX. \n Company believes it acted appropriately as authorized by contract or law Focus Holding Company AR 722XX Older American Consent provided Web 07/10/2015 Closed with explanation Yes No 1462386
245113 07/11/2015 Debt collection I do not know Improper contact or sharing of info Contacted me after I asked not to Robo calls and agent leaving messages on my answering device, attempting to collect a debt from a person unknown to me, I have repeatedly stated I do not know this person named XXXX XXXX and to stop calling, this company refuses to stop and desist, and I want criminal charges for fraud against them. I do not know of the person or debt by this person. Company : Credit Protection, left contact numbers Phone No 's, ( 1 ) XXXX ; ( 2 ) XXXX, using their account number stated as XXXX, website I think stated as XXXX. \n Company can't verify or dispute the facts in the complaint Credit Protection Association, L.P. AZ 857XX Older American Consent provided Web 07/16/2015 Closed Yes No 1463402
245143 07/11/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount XXXX : XXXX XXXX XXXX XXXX Choice Recovery XXXX XXXX XXXX XXXX \n\nTHIS notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. \nUpon recent review of my credit report, FIRST FEDERAL CREDIT CONTROL- XXXX Credit Report : Account 1 ) XXXX COLUMBUS XXXX INC./and CHOICE RECOVERY INC. : Account 2 ) # XXXX - XXXX. XXXX XXXX, XXXX XXXX XXXX Collection agencies are reporting that I owe the above creditor XXXX Car Rental a debt. I am in dispute of this unfair debt collection practice and inaccurate billing dispute. How could I possibly owe XXXX these creditors for the same exact debt? XXXX Re : XXXX Car Rental ) As per this rental, this was an insurance claim, paid in full by my Insurance with : XXXX INSURANCE- PLEASE CHECK YOUR RECORDS CAREFULLY. Upon return of my rental the agent on duty never advised me or called me to discuss with me THAT I HAD A BALANCE/ OR gave me an opportunity to actually DISPUTE the issue. \n\nI am requesting that you investigate this illegal deceptive practice and verification of this questionable debt collection agency/or agencies. I NEVER RECEIVED ANY NOTIFICATION OF THIS DEBT or a description of what I owe this money for. Apparently this is a scam ; this appears to be the same exact companies. This is an illegal Unfair practices. Debt collectors should not be allowed to engage in unfair practices when they try to collect a debt. For example, in this case, they should not identify themselves as different companies, when they are actually the same. \nPlease investigate this matter. I do n't even know who these companies were until this account was turned over for collection. Could it be credit theft? I 'm not paying until I see an accurate billing statement. FUTHERMORE, " The FTC CLEARY points out, " Every collector must send CONSUMERS a written 'validation notice ' telling you how much money you owe within five days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. '' I never received any notice. Subsequently, The FCRA also protects consumers from the misreporting of information on your credit report. If a debt collector or credit bureau reports incorrect or inaccurate account information, it is violating the FCRA. Examples of violations include failing to report that a debt was discharged in bankruptcy and reaging old debt to extend the statute of limitations. In this case, it is definitely apparent that a collection agency or Credit bureaus can most definitely mix up similar credit files and misreport information. Therefore a consumer, should have the right to dispute any information he/she may feel is not possibly reported accurately. \n Company believes the complaint is the result of a misunderstanding Choice Recovery, Inc. GA 314XX Older American Consent provided Web 07/13/2015 Closed Yes No 1463660
245289 07/11/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine My husband created an account, without my knowledge, and made me an authorized user but I did not sign a signature card. After his death, the bank sent me a statement with the balance and interest charged on the account. I contacted them in good faith and asked for a settlement but they refused to talk and sent it to a collector. \n Company chooses not to provide a public response Rausch, Sturm, Israel, Enerson & Hornik, LLC NV 891XX Older American, Servicemember Consent provided Web 07/17/2015 Closed with explanation Yes No 1463554
245290 07/11/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine My husband created an account, without my knowledge, and made me an authorized user but I did not sign a signature card. After his death, the bank sent me a statement with the balance and interest charged on the account. I contacted them in good faith and asked for a settlement but they refused to talk and sent it to a collector. \n Company chooses not to provide a public response Bank of America NV 891XX Older American, Servicemember Consent provided Web 07/11/2015 Closed with explanation Yes Yes 1463555
245355 07/11/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I contacted XXXX to obtain services in XX/XX/XXXX. They informed me I could bundle service with XXXX. I decided that was an option I wanted. I was informed that before any billing would start the installation employee would come confirm that my residence was feasible to obtain services. The installation employee informed me that there were too many trees on my property to obtain XXXX service. He put me on the phone with a manager would informed me that all contracts would be null and void, and he was sorry I could n't obtain there services. XXXX days later XXXX sent me a bill for services rendered. I did n't obtain any services from XXXX as I did n't obtain the bundle from XXXX. I sent certified mail response requesting : 1 ) Proof that I am a customer and had requested services 2 ) Proof that services were in fact rendered at my address 3 ) If XXXX could n't provide proof that they stop sending me collections. I received no reply, but did receive a collections notice from a third party collections agency. I sent the collections agency the same XXXX questions i sent XXXX. The collections agency responded informing me that they in fact could n't prove any services were rendered and would be sending the account back to XXXX. XXXX link then sent me another collections notice on their behalf, and I again sent a certified mail response which received no reply. Now on XX/XX/XXXX, another collections agency is requesting payment of debt on behalf of XXXX at the amount of {$290.00}. This has caused me XXXX as I have NEVER missed any payments to ANY of my creditors. XXXX can not prove I had received or asked for any services. Yet, they refuse to respond to me correspendece. XXXX practices are in direct violation of the Fair Debt Collection Practices Act. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company ERC MN 553XX Servicemember Consent provided Web 07/11/2015 Closed with non-monetary relief Yes No 1463611
245378 07/11/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I don, t have any XXXX XXXX account since 2013!!!!??? \nI live since 2013 at XXXX XXXX XXXX XXXX XXXX XXXX NY and I live with my friend as roommate sharing the payment of her bill under name XXXX XXXX!! \n Company believes it acted appropriately as authorized by contract or law Penn Credit Corporation NY 113XX Older American Consent provided Web 07/17/2015 Closed with explanation Yes No 1463631
245589 06/03/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received I have recently discovered that XXXX XXXX has reported a delinquent account to my credit report in the amount of {$250.00} in which they state on my report that they are the original creditor and that the account was opened XX/XX/XXXX. There was no such account opened in XX/XX/XXXX. The original creditor was XXXX ( and XXXX is no longer in business ) in which the account was sent to collections in XX/XX/XXXX by XXXX. XXXX XXXX failed to have ever send me a debt validation notice 15 U.S.C. 1692g They have further falsified information on my credit report stating that they are the original creditor and that the account was opened in XX/XX/XXXX, this is simply not true. \n Company believes it acted appropriately as authorized by contract or law The CMI Group, Inc. ID 836XX Servicemember Consent provided Web 06/03/2015 Closed with non-monetary relief Yes No 1403278
245667 06/03/2015 Debt collection Medical Improper contact or sharing of info Talked to a third party about my debt Commercial Acceptance Corp 's XXXX, PA office contacted multiple of my children. They were not party to the debt and it was disclosed to them that Commercial Acceptance was attempting to contact me. CAC has my correct phone number and I am having my mail forwarded, as I recently moved. The debt is associated with a medical charge and a dispute with my insurance company. I believe their actions were overly aggressive and not in conformance CFPB rules and regs. \n Company believes it acted appropriately as authorized by contract or law Commercial Acceptance Company NE 688XX Older American, Servicemember Consent provided Web 06/03/2015 Closed with explanation Yes No 1405044
245799 06/16/2015 Debt collection Payday loan Improper contact or sharing of info Contacted me after I asked not to i have been continuously harassed by Atlantic Credit & Finance , Inc. in the form of multiple phone calls from the number XXXX at least XXXX times a day and lately they call and hang-up if I answer it. then the try and use a different number. I have asked them to leave me alone that I do n't have any money but they wont listen. I tolled them to wait until my finances improve when they called the first time but they wont listen. \n Company chooses not to provide a public response Atlantic Credit & Finance, Inc. MT 599XX Older American Consent provided Web 06/19/2015 Closed with non-monetary relief Yes No 1423901
245922 06/04/2015 Debt collection I do not know Communication tactics Frequent or repeated calls I have received XXXX calls from FNCB, telephone number XXXX. When we answer the telephone, no agent is on the line to explain the reason for the call. The calls have occurred on XXXX/XXXX/2015 at XXXX, XXXX/XXXX/2015 at XXXX, and on XXXX/XXXX/2015 at XXXX. The calls come to XXXX which is on the Federal Do Not Call list. My credit report shows a credit rating of XXXX, and we are not in arrears on any debt. At XXXX years old, I do not wish to run to the telephone to find no agent connected to explain the reason for the call. \n Company believes it acted appropriately as authorized by contract or law First National Collection Bureau, Inc. MI 490XX Older American, Servicemember Consent provided Web 06/04/2015 Closed with explanation Yes No 1406098
245979 06/04/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received In the past, I have complained about Enhanced Recovery making entries on my credit report for a debt that I have no knowledge of. Initially, the company did what they said they would ; remove the entry & have no further contact. However, on XXXX/XXXX/XXXX, I received another credit alert ... A new account with Enhanced Recovery, for {$900.00}. To date, I have yet to receive any form of a debt verification letter, or any attempt to contact me directly regarding this alleged debt. After reviewing my credit history, Enhanced Recovery has attempted to extort money from me, via illegal entries on my credit report, for the following amounts : XXXX/XXXX/XXXX, {$1700.00}. XXXX/XXXX/XXXX, {$280.00}. XXXX/XXXX/XXXX, {$900.00}. XXXX/XXXX/XXXX, {$900.00}. Enhanced Recovery is a company that tries to illegally extort money from people that do not owe money in the XXXX place! This operation would be a fine target for a federal investigation and, a great place for a class action lawsuit! Negative entries on my credit report MUST be removed immediately! When Enhanced Recovery wants to operate within the legal boundaries of their practice, and send a debt verification notice, I might be willing to have some form of dialogue with them. Until then, they need to stop trying to play this ridiculous game with me! \n Company believes it acted appropriately as authorized by contract or law ERC MT 591XX Servicemember Consent provided Web 06/04/2015 Closed with non-monetary relief Yes No 1405761
246270 06/16/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine A phone call claiming it was for debt recovery but I have no outstanding debts that are unpaid. My credit is excellent, and my FICO score is XXXX ( or was while I was applying for a home eq loan ). \nI am not a co-signer for anyone else so I want this company to take me off their call list immediately. There is no one that I have any responsibility for regarding debts. \n Company can't verify or dispute the facts in the complaint Focus Holding Company NY 109XX Older American Consent provided Web 06/16/2015 Closed with explanation No No 1424093
246366 07/12/2015 Debt collection Credit card False statements or representation Attempted to collect wrong amount Recently, I read that you are investigating complaints against XXXX XXXX. XX/XX/XXXX I was going to file Chapter XXXX bankruptcy, which included XXXX XXXX XXXX card, but I decided not to continue with the bankruptcy. Due to that, XXXX stopped sending me statements. Then XX/XX/XXXX I received a letter stating that a debt collector had put a lien on my house due to the debt owed to XXXX XXXX. I contacted the Debt collector and I agreed to pay them {$100.00} a month til the debt was repaid. The problem is that they charge me 8 % interest on the balance. The debt Collector said that I owe them {$12000.00}. I have paid them {$100.00} a month since XX/XX/XXXX, and they said I still owe them {$11000.00}. At this rate I will never pay them off. I have tried to refinance my mortgage but because of the lien from XXXX XXXX and the debt collector 's refusal to subordinate, I ca n't refinance my home. I am XXXX years old and live on retirement pay. It would help a lot financially to have a lower interest rate on my mortgage. The debt collector is Machol & Johannes, LLC., XXXX XXXX XXXX, XXXX , CO XXXX, XXXX. I want them to remove the lien on my home and to discontinue charging me 8 % interest. I have no problem in continuing to pay them the {$100.00} a month until paid in full, or to reach a payoff settlement. I can manage to come up with {$4000.00} for a settlement. \n Company believes it acted appropriately as authorized by contract or law Machol & Johannes, LLC CO 810XX Older American Consent provided Web 07/20/2015 Closed with explanation Yes No 1463881
246418 06/10/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine This " debt '' results from fees incurred when I terminated my XXXX XXXX account upon moving to XXXX pursuant to XXXX. As an XXXX, I invoked the protections of the Servicemembers Civil Relief Act and provided XXXX XXXX with requested documentation at the time of termination. XXXX assured me no termination fees would be charged. XXXX assessed me the fees anyway, and I called them ( at XXXX long distance rates ) to work things out. They apologized and refunded the {$340.00}. The next month, XXXX again debited the {$340.00} from my bank account, and I again called them ( XXXX long distance ), receiving an apology and a refund. It appears XXXX XXXX has debited my account again, in addition to turning this alleged debt over to Valentine and Kebartas , Inc., a debt collector collection action. \n\nI am fed up with XXXX XXXX acting in blatant contravention of the SCRA, and I do not want to waste additional funds calling them XXXX long distance to try and resolve the issue. \n Company believes it acted appropriately as authorized by contract or law Valentine and Kebartas, Inc. AE 092XX Servicemember Consent provided Web 06/10/2015 Closed with explanation Yes No 1414147
246426 07/12/2015 Debt collection I do not know Communication tactics Frequent or repeated calls They have harassed me for years trying to contact a relative who used my name as a reference. I asked them years ( at least 5 ) to not call me but they continue. The last call was on XX/XX/XXXX at XXXX. \n Company believes it acted appropriately as authorized by contract or law Penn Credit Corporation IL 605XX Older American Consent provided Web 07/12/2015 Closed with explanation Yes Yes 1463901
246503 06/30/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt I contacted Enhanced Recovery Company XXXX/XXXX/15 regarding a XXXX debt in which I was unaware of. After speaking with a reprensentative who refused to answer my questions I was transferred to a Supervisor named XXXX. After attempting to speak with him he continuously over talked me and refused accept my request of a validation yet tried forcing what he thought he knew on me and forcing me to pay the debt. I understand how cell phone plans work I 'm not stupid and XXXX had no right to deny me a validation of a debt I was unaware of!!! He even had the audacity to ask if I wanted to dispute it or if I wanted a validation like I had to choose between a validation or dispute. XXXX went on to say I had to send the dispute in writing or nothing in his office will be done. Why was my right to dispute this debt and request a validation denied by this company? Why was I forced to choose between a validation or dispute? The notices says dispute the validity of the debt within 30 days or it 's assumed mine. The letter does not state it has to be sent in writing so why was XXXX trying to force me to send it in writing when I clearly disputed it verbally various times? Section 809 of the FDCPA does only require that the collection agency validate in writing when the request for validation is done in writing. But as per the notice I received there is no specific request nor requirement of the dispute or the request for validation to be placed in writing so therefore I feel as though this collection agency is poking fun at the FDCPA. Thus being unfair and violating my rights as a consumer as well the collection agencies that put forth the effort to maintain compliance. Being that a dispute and request of validation are both a form of a dispute they still need to be treated differently as well as investigated properly which this company refused to do. I also have everything recorded. \n Company believes the complaint is the result of a misunderstanding ERC NC 285XX Servicemember Consent provided Web 06/30/2015 Closed with non-monetary relief Yes No 1444342
246527 07/12/2015 Debt collection Medical False statements or representation Attempted to collect wrong amount In 2011 I spent about a month in XXXX XXXX in XXXX XXXX XXXX. They operated to relieve a problem with my XXXX XXXXMy hospital and doctor bills were paid by XXXX and XXXX. \nXXXX XXXX XXXX was XXXX of the doctors who attended me during my stay. \nI recently found out that XXXX XXXX claims that I owe him {$5000.00} and he has placed me in collection. \nI do not see how this can be. XXXX XXXX and all the others were paid by XXXX and XXXX \n Company chooses not to provide a public response The Collection Connection CA 900XX Older American Consent provided Web 07/12/2015 Closed with explanation Yes No 1463929
246608 06/30/2015 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect My Govt. check usually is deposited in my bank on the XXXX of each month. I was sent an e-mail stating that my check would not reach my bank until XXXX XXXX, I sent Spotloan a request to defer their debit payment from the XX/XX/XXXX to the XX/XX/XXXX ( XXXX days ) They responded that they would not be taking out my next payment and by deferring my payment would add {$590.00} in interest to my account. \n Company believes the complaint is the result of a misunderstanding BlueChip Financial FL 322XX Older American Consent provided Web 07/07/2015 Closed with explanation Yes No 1444373
246692 06/16/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Called after sent written cease of comm Ca n't pay this account. Turned into Rose Agency. Phone number disconnected. \n Company believes it acted appropriately as authorized by contract or law Rose Agency Inc. MT 597XX Older American Consent provided Web 06/16/2015 Closed with explanation Yes No 1424211
246695 06/23/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt resulted from identity theft this company has placed a fraudulent account under my personal information related to an address ive never lived at for a gas bill. i faxed over the police report that my identity was stolen along with the FTC affidavit.in XXXX XXXX 2014 I faxed over the police report and supporting document and they failed to remove these account with in the 30 day statue permitted by law. ive called over XXXX times with no luck they keep asking me to send the police report which i have not XXXX but XXXX times. i ask that my right as a identity theft victim be enforced .i ask that this account be removed immediately since this account has hurts my person and my credit in the past and i was denied a home loan XXXX different occasions and i had to pay higher interest rates and suffered financial hardship because of them \n Company believes it acted appropriately as authorized by contract or law Financial Credit Network Inc NV 890XX Servicemember Consent provided Web 06/23/2015 Closed with non-monetary relief Yes No 1434764
246766 06/23/2015 Debt collection I do not know Communication tactics Frequent or repeated calls Frequent calls from Focused Receivables Management LLC, XXXX. Lots of harassing calls and messages with no information on what and who I owe, of which I do n't. \n Company can't verify or dispute the facts in the complaint Focus Holding Company MD 208XX Servicemember Consent provided Web 07/07/2015 Closed with explanation Yes No 1433958
246868 06/10/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid XXXX, this debt has been paid directly to the original creditor so this debt is invalid. XXXX, this company called me and my spouse using the number of an auto parts store in Minnesota. When answering, the lady was very rude, obscene and threatening. \n Company chooses not to provide a public response Central Portfolio Control Inc. IA 502XX Servicemember Consent provided Web 06/10/2015 Closed with explanation Yes No 1414276
247005 06/30/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I have a collection on my credit report from XXXX XXXX XXXX. I 've never had XXXX. I had this problem with another collection agency and it was taken off. I do n't know if they passed this on to another collection agency or not, because the amount is the same. I 've spoken with this company several times and they could n't give me any info on the debt. The XXXX time I spoke with them back in XXXX they said they would remove it and they have n't \n Company can't verify or dispute the facts in the complaint Focus Holding Company CA 922XX Servicemember Consent provided Web 06/30/2015 Closed with explanation No No 1444467
247540 07/07/2015 Debt collection Credit card Communication tactics Frequent or repeated calls Robo calls in violation of TCPA, also releasing information that is confidential if this is not XXXX XXXX it contains information that is regarding a debt collection attempt. Their email is XXXXXXXXXXXX, XXXXRadius Global Solutions, XXXX XXXX XXXX. XXXX. XXXX XXXX, XXXX, Fl. XXXX. The account is for a credit card from 2007. \n Company chooses not to provide a public response Radius Global Solutions LLC NJ 080XX Older American Consent provided Web 07/07/2015 Closed with explanation Yes No 1455801
247552 06/17/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received Stellar Recvery Inc. and XXXX together Placed a derogatory collection line on my XXXX Credit File on XXXX/XXXX/2016 before and without sending me any notice to either make me aware of the debt or explaining my rights to dispute. Stellar failed to perform proper notification in writing required be ( FCRA ) \n Company believes it acted appropriately as authorized by contract or law Stellar Recovery Inc. LA 711XX Servicemember Consent provided Web 06/17/2015 Closed with explanation Yes Yes 1425021
247622 07/07/2015 Debt collection Medical Disclosure verification of debt Not given enough info to verify debt Dear Sir, I have submitted a written request to Central Credit Services for the validation of debt. I have yet to receive the information requested in writing. The request was sent on XXXX/XXXX/15 and accepted on XXXX/XXXX/15. Prior to the written request, I have had XXXX verbal communications with the collection agency. I believe that they are in violation in a number of statutes and my credit profile should be expunged of these items. \n Company chooses not to provide a public response Radius Global Solutions LLC MD 207XX Servicemember Consent provided Web 07/07/2015 Closed with explanation Yes No 1454429
247722 07/13/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt was paid Due to medical problems I set up a Hardship Program for payment of a credit card with XXXX XXXX XXXX and I provided full documentation of my medical status and income and financial assets. I agreed to pay a monthly payment at a reduced interest rate but my account was turned over to a collection agency who began calling me to pay a higher amount than what I owed. The collection agency is FMS, XXXX. XXXX XXXX XXXX Oklahoma, XXXX ( Account # XXXX ) I have been a good customer of XXXX XXXX for over XXXX years and have never had a problem until now. \n Company believes it acted appropriately as authorized by contract or law FMS Inc. NC 276XX Older American Consent provided Web 07/13/2015 Closed with explanation Yes No 1464588
248324 06/10/2015 Debt collection Credit card False statements or representation Impersonated an attorney or official I had Bank of America CC. \nI defaulted on the card because of BoA change in policy that I could not afford to keep up with and mounting medical debt. \nIt was sent to collections and XXXX, XXXX, XXXX and XXXX XXXX have harassed me and made false statements. \nLegal aid helped me find court documents with falsehoods and service papers. \nI am on XXXX XXXX and can not make payment. \nThe dates on the papers sent to me by them with Supreme Court of XXXX headings seem not to be legitimate listing multiple addresses. \nI was never served by anyone with the papers. \nI received a letter dated XXXX XXXX, 2015 referring to a complaint dated XXXX XXXX in which I was given XXXX days to respond to. Obviously this voided my opportunity to respond. \nThe rest of the documents legal aid found online. I had no knowledge of these. \nThe affidavit of Service from XXXX XXXX is also false, I was never served, this document was also found on line by legal aid. \nThe dates are all untimely and impossible to meet. This is all done in an attempt to scare me into paying them. \nThis is to include phone calls and claiming to have served me. \n Company chooses not to provide a public response Bank of America NY 121XX Older American Consent provided Web 06/10/2015 Closed with explanation Yes No 1414813
248417 06/23/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine XX/XX/XXXXCredit Report Confirmation # XXXX dispute is with the negative entry by Bank of America XXXX BOA XXXX. \n\nWhen making the telephone call to cancel ( close out ) my BOA credit card I told the woman I talked with that I wanted to sever all contact with BOA. She replied in the affermative that it would be done. Then said that in the event that a charge should appear I want it disregarded and no charge for insufficient funds as my account was closed. She had to talk with her supervisor about this. After this consultation she told me that it was okay. No further activity on my account would occur. I am absolutely positive about this conversation. Am not so sure about the following. \n\nSometime thereafter I received a charge from BOA. Believe the charge was for insufficient funds. Believe that I called BOA and told them of the arrangement concerning my account closing. I may have received an additional bill by mail but did not receive any more invoices. \n\nI assumed that everything had been settled with BOA until I was turned down for a credit card with XXXX XXXX Bank. Got a credit report and found the negative entry from BOA. Before cancelling my BOA credit card I had previously cancelled ( closed XXXX my bank account. This account was closed because they made errors, one very significant. The branch manager could not believe how badly they had messed up! Now they made another error and they are making me pay ( with a bad credit file ) for another oftheir mistakes! \n\nHow long are recordings of conversations with banks kept? My credit file indicates that the problem probably started in XX/XX/XXXX. So my initial tel conversation with BOA probably occurred a max of XXXX months prior. So the voracity of what I said should not be too difficult to confirm. \n\nMany thanks for your investigation of this matter. I have long been a fan of the CFPB since XXXX XXXX initiated it. XXXX further impressed with XXXX XXXX. \n\nXXXX XXXX XXXX XXXX XXXX, GA XXXX XXXXXXXXXXXX \n Company chooses not to provide a public response Bank of America GA 300XX Older American Consent provided Web 07/01/2015 Closed with explanation Yes No 1434560
248485 06/23/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received I was working for a XXXX when XXXX declared Bankruptcy. I was under a lease with XXXX and explained the situation to them. I was only a few months in my lease when it happened. The front office of the apartment complex understood my situation and told me they wouldn't try to collect any money from me due to extenuation circumstances. They never tried to contact me about payment or mail me anything. The only reason I found about about this debt is because I checked my credit online and found it. I did not receive anything in writting nor other communication attempts. I also did not receive notice to dispute this debt. I moved out of the complex in XX/XX/2009, and the report is dated XX/XX/2009 Company believes it acted appropriately as authorized by contract or law National Credit Systems,Inc. TX 776XX Servicemember Consent provided Web 06/23/2015 Closed with explanation Yes No 1435310
248534 07/13/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I continue to receive calls from varies debt collectors looking for a XXXX XXXX or other person I do not know. The latest was from : First Choice Assets LLC Mailing Address : XXXX XXXX XXXX. # XXXX XXXX, NY XXXXPhone : XXXXFax : XXXXEmail : XXXXXXXXXXXX.XXXXThey call from a local XXXX number of XXXX. I identified myself and order them not to call me. They accused me of being rude and unhung up. \n Company chooses not to provide a public response First Choice Assets LLC. GA 303XX Servicemember Consent provided Web 07/17/2015 Closed with explanation Yes Yes 1464773
248573 06/30/2015 Debt collection Payday loan Cont'd attempts collect debt not owed Debt was paid I was contacted by a debt collection agency for a past due payday loan. We set up a payment plan which I have followed since XXXX 2015. On XXXX XXXX, 2015 a payment was deducted from my account. My account should be paid off ( debt settled ). I attempted to contact the agency by phone in which I got no response. The contact number I have always used was disconnected and other phone numbers for the agency were disconnected and/or only had a recorded message. It is as if the agency has disappeared. \n Company chooses not to provide a public response Cottonwood Financial Ltd. NC 283XX Servicemember Consent provided Web 06/30/2015 Closed with explanation Yes No 1445097
248727 07/17/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Checked my credit report and have a derogatory remark against my credit score. \nA debt of XXXX dollars for a electrical bill in XXXX, VA. \nI do n't live in XXXX. So of course this could be identity theft as well. \n Company believes it acted appropriately as authorized by contract or law Contract Callers, Inc. UT 840XX Servicemember Consent provided Web 07/17/2015 Closed Yes No 1477166
248740 06/30/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I received a false statement saying that my recently deceased Husband owed a third party some debt. My husband owed no one anything. \n Company believes it acted appropriately as authorized by contract or law Phillips & Cohen Associates, Ltd. MI 481XX Older American, Servicemember Consent provided Web 06/30/2015 Closed with non-monetary relief Yes No 1445163
248860 06/24/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine On XXXX XXXX, 2011, I was arrested by XXXX XXXX XXXX District Attorney 's Bureau of Investigation. Before booking me at the XXXX at the XXXX, booking number XXXX, I was taken to the XXXX hospital to be check out. Why that was done I do not known? But since I was in handcuffs, I had no say so in the matter. All so, I would like to point out that at the time, I had my own Doctor. His name was XXXX XXXX XXXX located in XXXX, ca. Since 2011, I have tried to resolve this issue with CMRE Collections but to no avail.I have letters and information verifying everything I had said. In fact, I sent CMRE collections a letter showing that I was in police custody at the time. \n Company chooses not to provide a public response CMRE Financial Services, Inc. CA 935XX Older American Consent provided Web 06/29/2015 Closed with explanation Yes No 1435344
249114 06/17/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Enhanced Recovery Corporation for XXXX XXXX XXXX is charging {$150.00} and {$36.00} for a debt which is not mine. I dealt with both through letters and telephone calls. XXXX I provided documentation that proved that the account could not be mine. I worked with XXXX XXXX XXXX identity theft section and provided all the information and documentation they requested. \n\nThese XXXX collection accounts are having a negative impact on my credit history. \n Company believes it acted appropriately as authorized by contract or law ERC CA 917XX Older American Consent provided Web 06/17/2015 Closed with non-monetary relief Yes No 1425626
249392 06/30/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt I recently contacted Enhanced Recovery Company about a debt I noticed on my credit report. I was never notified of this debt nor given the right to dispute or have the debt verified in writing. The address ERC provided to me was one I do not live at. I requested they restart their recovery efforts by allowing me first a chance to pay the amount due without reporting to a credit bureau. I paid the amount in full and still see the issue on my credit as unpaid. I would like Enhanced Recovery Company to immediately remove this trade line from my credit report with any and all bureaus they have reported to. I feel this is warranted as I was never afforded the opportunity to handle this issue properly. \n Company believes it acted appropriately as authorized by contract or law ERC MO 631XX Servicemember Consent provided Web 06/30/2015 Closed with non-monetary relief Yes Yes 1444191
249435 06/24/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine The apartment complex turned my information over to a collection agency without my knowledge and after telling me I owed nothing. I have tried to get this cleared up with no progress. the corporate office refuse to respond to me or the XXXX. Phone calls, and emails have not been responded to since XXXX 2015. \n Company disputes the facts presented in the complaint National Credit Systems,Inc. LA 701XX Servicemember Consent provided Web 06/24/2015 Closed with explanation Yes Yes 1435556
249577 06/10/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine On XXXX XXXX, 2015 I submitted a complaint through your office against Enhanced Recovery LLC for a collection of a XXXX account placed in my credit record under the name of XXXX XXXX in an address in North Carolina ( See CFPB Case number XXXX and XXXX ). Enhanced Recovery LLC responded the dispute on XXXX XXXX 2015 alleging:1 ) Investigation of my dispute was been completed2 ) that my social security was associated with the account and that cable services were provided XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX North Carolina ( I have never been in North Carolina ) 3 ) that the account with Enhanced Recovery has been closed due to my dispute4 ) that a deletion request to ALL reporting agencies was submitted. \nHowever, as of today, Enhanced Recovery LLC has not been able to provide me with evidence such as copies of contracts or documents confirming that I contracted with XXXX in North Carolina. Also, I never received any letter stating that an investigation of my dispute was completed. \nIn addition, Enhanced Recovery LLC never closed my account. As of today, a collection report remains in my credit record. \nI request Enhanced Recovery LLC to validate this alleged debt by providing evidence, such as contract or any document with my signature proving that I contract services with XXXX in North Carolina. Also I further request this collection company to contact all XXXX credit agencies and inform I am disputing this debt. \n Company believes it acted appropriately as authorized by contract or law ERC TX 799XX Servicemember Consent provided Web 06/15/2015 Closed Yes No 1415755
249676 07/07/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount These are medical bill co-pays. On my Credit Report It shows that they have been turned over from XXXX XXXX XXXX XXXX, who owns XXXX XXXX XXXX Clinic where the co-pays were charged. They turned over the debts to Revenue Enterprises of XXXX California. The amount listed on the Credit Report for all copays that I owe is {$440.00}. When I contacted XXXX XXXX XXXX XXXX on XXXX, they said I would have to pay these through Revenue Enterprises Debt Collection Agency. I called them and spoke with on at XXXX who is at extension XXXX. I told them I wanted to pay the outstanding Balance that was listed on the credit report. He checked the account and came back and said I had a total of XXXX accounts with XXXX XXXX for co-pays through XXXX XXXX XXXX Clinic, and had XXXX options to pay the bills off. 1. By paying {$640.00}, I would be paying all of the outstanding accounts, and that these would be " wiped '' off of my Credit Report in about 30 Days after the paperwork goes through. Option 2. Pay an amount of {$540.00}, which would pay off all the accounts, but the accounts would still be listed on my Credit Report. I asked why the other accounts were n't sent to the Credit Bureaus along with the XXXX listed ( see document - revenue enterprises list on my credit report attached ). He said he did n't know why that is must be a paperwork issue. \n\nI was supposed to call him this morning XXXX -- XXXX at XXXX. CDT and choose which option I wanted. He would not give me a list of the itemized charges of the XXXX collections he had in his office. \n\nI since learned through the Consumer Financial Protection Bureau that promises of paying an amount to a XXXX party collection agency are not true, and that the collection agency had not authority to have the Credit Bureaus wipe the slate clean. \n\nI do not trust this person, or the Company. My Goal yesterday was to simply pay delinquencies of these XXXX bills that were sent to the Credit Bureau in the amount of {$440.00}. Then all of a sudden, there are these alleged other XXXX XXXX Hospital Bills that Revenue Enterprises said also needed attention. \n Company believes the complaint is the result of a misunderstanding Revenue Enterprises, LLC KS 666XX Older American Consent provided Web 07/08/2015 Closed with explanation Yes No 1455124
249684 06/17/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Patridge Snow and Hahn represented a debt that was being claimed for collection by them. They claimed to be XXXX XXXX XXXX XXXX, as their basis for collection, but never offered authentication when asked what executive at XXXX XXXX hired them, if any. \nPatridge Snow and Hahn may be a law firm, but it was XXXX XXXX who threatened me, He reused to provide debt validation to me, XXXX XXXXTheir debt collection abuse was terrible to me and my family.The harassment was /is unbelievable and they claim ownership of the note to my house and will not show any evidence. \n Company chooses not to provide a public response Partridge Snow & Hahn LLP RI 028XX Older American Consent provided Web 07/21/2015 Closed with explanation Yes No 1425071
249756 07/17/2015 Debt collection Auto Taking/threatening an illegal action Threatened arrest/jail if do not pay A company called XXXX XXXX XXXX has been calling me non stop at all hours of the day and night attempting to collect on a debt from a motor vehicle accident in 2014. At the time of the accident I was XXXX years of age and insured. This company has threatened to illegally garnish my wages as well as be waiting at my house with the police to arrest me on multiple occasions. They have asked for my parents and grandparents names to attempt to collect this debt. The women who spoke to me asking for this information resorted to name calling and personal insults. This is been going on for almost 2 years now and it needs to stop! I have asked them multiple times to stop harassing me and remove my number and they just continue to do it more and more. \n Company believes it acted appropriately as authorized by contract or law Recovery Partners, LLC FL 334XX Servicemember Consent provided Web 07/17/2015 Closed with explanation Yes No 1474258
249954 06/10/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid This debt collector attempted to collect on a debt that was paid and insisted that their system was up to date and the I still owed on it.. I have a letter from the company stating it has been paid. They refuse to verify with the original owner of the debt and want me to pay the remain balances. \n Company believes the complaint is the result of a misunderstanding CCS Financial Services, Inc. NJ 076XX Servicemember Consent provided Web 06/10/2015 Closed with explanation No Yes 1417677
249963 06/17/2015 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Contacted me after I asked not to XXXX submitted a past due balance for services rendered my rental property ( service address XXXX XXXX XXXX XXXX XXXX XXXX ) to Focus Mamagement Receivables ( debt collection company ). The XXXX XXXX XXXX for the rental property states that services were not routinely rendered and disputed the charges with XXXX. Focus Mamagement Receivables Continued to contact me almost daily after I requested numerous times that they speak with my property management company that was handling the open dispute with XXXX. The company continually told me the amount would hit my credit XX/XX/XXXX if I did not pay. This is illegal as an account in dispute can not be added to credit reports as delinquent payments. I eventually paid the bill to stop the harassing phone calls as to avoid any damage to my credit. I am a military and any damage to my credit could reflect poorly on my security clearance/classification. I spoke with the property Managment company and they were never contacted and did not receive any letter coorspondance as Focus states they would do after each harassing phone call to me. This company is ethically bankrupt. They had no right to continue to harass me and make empty threats that they had no legal authority to follow through on. They lead me to believe that if the corporate level dispute I had with XXXX was not resolved in the next two weeks ( which disputes take months ) they would still damage my credit. Completely misleading me to pay for services that were not rendered. \n Company can't verify or dispute the facts in the complaint Focus Holding Company TX 781XX Servicemember Consent provided Web 06/17/2015 Closed with explanation No Yes 1425953
250224 06/30/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt I am asking XXXX for validation of debt for a collection they say I owe for an apartment complex. I have sent them 3 letters asking for validation. The XXXX letter said their client verified the name and address listed on the account was correct. I did n't ask for that, I asked for legal validation. In the XXXX letter I received, they sent a statement with my name but not my signature from a lease agreement, nothing showing my DOB or SSN. It had an apartment complex manager 's signature, not mine. That is not valid proof. The third letter flat out refused to send me anything stating they already sent proof which they did not. The XXXX major credit reporting agencies keep sending me reports back saying they verified the account and belongs to me. I requested in my last correspondence with them what their method of verification was on this account when I am not getting any legal verification. \n Company believes it acted appropriately as authorized by contract or law Carter-Young, Inc. CA 952XX Servicemember Consent provided Web 06/30/2015 Closed with explanation Yes No 1445845
250251 06/24/2015 Debt collection I do not know False statements or representation Indicated committed crime not paying This company has contacted me several times seeking someone else who I have no contact with. I have asked repeated to be taken off their call list but they continue to call me. I spoke this last time to a dawn XXXX/XXXX/2015. I will be filing a harassment lawsuit for calling me the company stated their name is Diversified adjustment services Number XXXX \n Company disputes the facts presented in the complaint Diversified Adjustment Service, Inc. GA 347XX Servicemember Consent provided Web 06/24/2015 Closed Yes No 1436944
250548 06/24/2015 Debt collection I do not know False statements or representation Attempted to collect wrong amount RE : Jefferson Capital SystemXXXX XXXX XXXX, XXXX XXXX , XXXX. XXXX MN XXXXReference # XXXXAmount : $ XXXXJefferson Capital violated FDCPA practices by placing an account for collections on my credit reports. JCS is reporting said account as open and 120 days late. I have NEVER had an account, or any correspondence with Jefferson Capital. I was never given an opportunity to dispute said account. JCS has not validated it is mine or that they are legally entitled to collect the debt. \n Company believes it acted appropriately as authorized by contract or law CL Holdings, LLC CA 959XX Servicemember Consent provided Web 06/24/2015 Closed with non-monetary relief Yes No 1436071
250655 06/11/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount The last apartment complex I lived in ( XXXX, VA ) sent me charges for unpaid rent, water and sewer, damaged blind, damaged carpet and late fees. This charges I disagreed with and asked them to substantiate it but was rather sent to a collection agency. I paid my bills on time or early each and every month for the 4years that I lived there and was never once late especially for an apartment complex that has no grace period and all rent/bills has to be paid by the XXXX of each month or risk paying late fees. My credit is now destroyed and its all base on falsified charges. \n Company chooses not to provide a public response FAIR COLLECTIONS & OUTSOURCING, INC. AP 963XX Servicemember Consent provided Web 06/11/2015 Closed with explanation Yes Yes 1416241
250846 07/17/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Consumer received a 'dunning ' letter from Signature Performance Tiburon LLC , XXXX XXXX XXXX, XXXX NE XXXX dated XXXX XXXX 2015. XXXX responded to the letter by sending back a dispute letter 'certified ' return receipt ( # : XXXX XXXX XXXX XXXX XXXX ) on XXXX XXXX, 2015. SIGNATURE PERFORMANCE TIBURON LLC, is denying consumer due process of 'written ' notification within the XXXX ( XXXX ) day timeline allotted consumer under the Fair Debt Collection Practices Act ( " FDCPA '' ) by not picking up the letter from the post office in a timely manner. Consumer has tracked the letter which is still waiting to be picked up from a XXXX Post Office. Consumer has added all 'written ' and tracking verification to this complaint to prove consumer 's position in this matter. By not accepting consumer 's dispute letter, consumer is being denied 'due process ' under federal and state law regarding debt collection practices and the FDCPA, FCRA and FTC XXXX Consumer is making this complaint to your agency as a form of administrative process that will verify consumer 's position in this matter should it be necessary for consumer to pursue a civil lawsuit. Consumer will have proof of consumer 's concern as reported to the Consumer Financial Protection Bureau ( CFPB ). Thank you for providing this venue as documentation. It is greatly appreciated.! \n Company chooses not to provide a public response Signature Performance Tiburon, LLC NE 685XX Older American Consent provided Web 07/17/2015 Closed with explanation Yes Yes 1473667
251049 07/18/2015 Debt collection Medical False statements or representation Indicated shouldn't respond to lawsuit On XXXX XXXX, I discovered an account from Account Services Collections on my credit reports. I contacted them and they agreed to remove this from my reports if I paid the account in full. I paid the account. They sent a receipt and a letter stating that they had requested it be removed from my XXXX, XXXX and XXXX reports. It has not been removed from either XXXX or XXXX as of XXXX XXXX, I disputed the account with XXXX and Account Services Collection verified the account and updated the account to " Paid ''. This was not what was agreed upon. \n\nThey have used false and misleading statements in order to get me to pay this account in violation of the FDCPA. \n Company disputes the facts presented in the complaint Account Services Collections, Inc TX 781XX Servicemember Consent provided Web 07/18/2015 Closed with explanation Yes No 1473275
251071 07/18/2015 Debt collection Credit card Taking/threatening an illegal action Attempted to/Collected exempt funds I was sent an unsolicited credit card from XXXX XXXX XXXX XX/XX/XXXX. Shortly after, I was laid off from my job due to the economy and was unable to find a job for over a year so I used the card for gas & food during that time. I soon fell behind in the payments and most of the card debt was late payments and penalties. Unfortunately I had moved and I forgot about it when I started working again. CACH LLC bought the debt years later and sued me. I tried to explain my circumstances, that I was in school and did not make very much money and that I owned nothing. I 'm still driving the XXXX Impala that mother bought me when I was in high school. They refused to listen and threatened & intimidated me into signing an agreement to pay {$75.00} a month which I knew I could n't afford, but I had never had any dealings with the law so I was scared and thought I had to sign it. When I could n't pay it, they sued me. I know I have to pay it and I have been sending them {$25.00} a month but I lost my lease and had to move so I was unemployed again in XX/XX/XXXX XXXX. I worked odd, temporary jobs during that time and finally found another full time job in XX/XX/XXXX XXXX but I only make {$11.00} an hour and have been struggling to survive and catch up on my rent since then,. But I started paying the {$25.00} a month again then. But in XX/XX/XXXX, CACH froze my bank account and took my last {$190.00} out which meant I had no money for food and gas for over a week. When I read up on Florida Garnishment Rules, I saw that they are not supposed to be able to garnish a person 's salary if they make below a certain level and that includes their bank account if it can be proved that the money was income. The only money going into my bank account was my salary. I have tried to talk to them several times and even had my mother call them because I 'm not very informed about these matters, but they only say they are trying to collect a debt for their customer and wo n't agree to a lessor payment. It is not for a lot of money, only about {$2500.00} but I do n't have it and neither does my mother. She lost our house to XXXX XXXX XXXX in XX/XX/XXXX and we have both been trying to recover since then. We ca n't even afford a lawyer to fight them and feel like we are victims of the law and have no recourse against this unscrupulous company. We will pay the debt but we need time. I have told them that as soon as I can pay more I will increase the amount. But I need enough money for rent, food and gas so i can work and i do n't make much more than that. I would like to pay it in full now but there is no way i can do so. ( My Mother is writing this for me as I 'm not knowledgeable about these things ). \n Company chooses not to provide a public response SquareTwo Financial Corporation FL 337XX Servicemember Consent provided Web 07/18/2015 Closed with explanation Yes No 1474487
251072 07/18/2015 Debt collection Credit card Taking/threatening an illegal action Attempted to/Collected exempt funds I was sent an unsolicited credit card from Bank of America XX/XX/XXXX. Shortly after, I was laid off from my job due to the economy and was unable to find a job for over a year so I used the card for gas & food during that time. I soon fell behind in the payments and most of the card debt was late payments and penalties. Unfortunately I had moved and I forgot about it when I started working again. XXXX XXXX bought the debt years later and sued me. I tried to explain my circumstances, that I was in school and did not make very much money and that I owned nothing. I 'm still driving the XXXX Impala that mother bought me when I was in high school. They refused to listen and threatened & intimidated me into signing an agreement to pay {$75.00} a month which I knew I could n't afford, but I had never had any dealings with the law so I was scared and thought I had to sign it. When I could n't pay it, they sued me. I know I have to pay it and I have been sending them {$25.00} a month but I lost my lease and had to move so I was unemployed again XX/XX/XXXX. I worked odd, temporary jobs during that time and finally found another full time job XX/XX/XXXX but I only make {$11.00} an hour and have been struggling to survive and catch up on my rent since then,. But I started paying the {$25.00} a month again then. But XX/XX/XXXX, XXXX froze my bank account and took my last {$190.00} out which meant I had no money for food and gas for over a week. When I read up on Florida Garnishment Rules, I saw that they are not supposed to be able to garnish a person 's salary if they make below a certain level and that includes their bank account if it can be proved that the money was income. The only money going into my bank account was my salary. I have tried to talk to them several times and even had my mother call them because I 'm not very informed about these matters, but they only say they are trying to collect a debt for their customer and wo n't agree to a lessor payment. It is not for a lot of money, only about {$2500.00} but I do n't have it and neither does my mother. She lost our house to Bank of America XX/XX/XXXX and we have both been trying to recover since then. We ca n't even afford a lawyer to fight them and feel like we are victims of the law and have no recourse against this unscrupulous company. We will pay the debt but we need time. I have told them that as soon as I can pay more I will increase the amount. But I need enough money for rent, food and gas so i can work and i do n't make much more than that. I would like to pay it in full now but there is no way i can do so. ( My Mother is writing this for me as I 'm not knowledgeable about these things ). \n Company chooses not to provide a public response Bank of America FL 337XX Servicemember Consent provided Web 07/18/2015 Closed with explanation Yes No 1474488
251090 07/18/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received i recently recieve my free annual report from the credit bureu, and didnt recieve any notice from the original collector that. sold my debt to another new collection agency.and the new collection agency never notify me about reageing/restarted a old debt.that i thought will be remove from my credit in XX/XX/2016. \n Company believes it acted appropriately as authorized by contract or law ERC NY 104XX Servicemember Consent provided Web 07/18/2015 Closed with non-monetary relief Yes No 1474499
251158 07/18/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I receive calls for a XXXX XXXX or XXXX XXXX on phone number I have had since 1970 's. I do not know and have never known anybody by this name. I have contacted XXXX of the debt collectors and requested they remove me from their contact list. This works for a few months, then they are calling again. No notifications come to my address from these collectors, nor does this appear to be identity theft. \n Company believes it acted appropriately as authorized by contract or law Aargon Agency, Inc. CA 910XX Older American Consent provided Web 07/23/2015 Closed Yes No 1478207
251261 07/19/2015 Debt collection Credit card False statements or representation Attempted to collect wrong amount Recently, I read that you are investigating complaints against XXXX Bank. In XX/XX/XXXX I was going to file Chapter XXXX bankruptcy, which included XXXX XXXX XXXX card, but I decided not to continue with the bankruptcy. Due to that, XXXX stopped sending me statements. Then in XX/XX/XXXX I received a letter stating that a debt collector had put a lien on my house due to the debt owed to XXXX bank. I contacted the Debt collector and I agreed to pay them {$100.00} a month til the debt was repaid. The problem is that they charge me 8 % interest on the balance. The debt Collector said that I owe them {$12000.00}. I have paid them {$100.00} a month since XX/XX/XXXX, and they said I still owe them {$11000.00}. At this rate I will never pay them off. I have tried to refinance my mortgage but because of the lien from XXXX Bank and the debt collector 's refusal to subordinate, I ca n't refinance my home. I am XXXX years old and live on retirement pay. It would help a lot financially to have a lower interest rate on my mortgage. The debt collector is Machol & Johannes, LLC., XXXX XXXX XXXX, XXXX , CO XXXX, XXXX. I want them to remove the lien on my home and to discontinue charging me 8 % interest. I have no problem in continuing to pay them the {$100.00} a month until paid in full, or to reach a payoff settlement. I can manage to come up with {$4000.00} for a settlement. \n Company believes it acted appropriately as authorized by contract or law Machol & Johannes, LLC CO 810XX Older American Consent provided Web 07/28/2015 Closed with explanation Yes No 1473367
251419 07/19/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received Around XXXX I submitted a complaint about a debt collector ( XXXX XXXX ) that resulted in a removal of the debt from my credit report due to their failure to send notice as well as their failure to validate that I owed it. \nSince then, the debt was sold to a company named Senex Services Corp. This collection agency also reported the same account as a legitimate debt to the credit bureau without sending me notice. I contacted the company and requested validation and they have not provided it and will not remove the information from my credit report. They reported it in XXXX. Thank you. \n Company believes it acted appropriately as authorized by contract or law Senex Services Corp. TN 370XX Servicemember Consent provided Web 07/24/2015 Closed with non-monetary relief Yes No 1473370
251441 07/19/2015 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect These people are not licensed to conduct usury interest rate business in the state of Ca. XXXX charge a Interest rate of over 800 % XXXX These people have taken advantage of my age XXXX, thinking that I would pay, this usury interest rate of 800 % or more, from my social security check. I can not pay that. \n Company believes it acted appropriately as authorized by contract or law BlueChip Financial CA 917XX Older American Consent provided Web 07/24/2015 Closed with explanation Yes Yes 1473305
251728 07/01/2015 Debt collection I do not know Communication tactics Frequent or repeated calls They call daily starting early in the morning. They have called up to four times per day from multiple numbers. When I call back they will not say who they are. When I search the number online it comes back as Consumer Adjustment Incorporated. XXXX of the numbers used are XXXX and XXXX. \n Company chooses not to provide a public response Consumer Adjustment Company Incorporated MO 657XX Servicemember Consent provided Web 07/06/2015 Closed with non-monetary relief Yes No 1446928
251928 06/11/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid medical bills were paid by my insurance company few years ago but cmre finance has in collections and they appear on my credit report \n Company chooses not to provide a public response CMRE Financial Services, Inc. NY 120XX Older American Consent provided Web 06/11/2015 Closed with explanation Yes No 1416748
251931 07/14/2015 Debt collection Federal student loan Improper contact or sharing of info Talked to a third party about my debt Pioneer Credit Recovery has contacted several of my co-workers, including my supervisor asking questions about me, and they have contacted these people more than one time on their cell phones. I contacted XXXX XXXX at Pioneer and demanded that they stop harassing these people, but they continue to do so at the peril of me losing my job because of it. \n Company chooses not to provide a public response Navient Solutions, Inc. AZ 850XX Older American Consent provided Web 07/14/2015 Closed with explanation Yes Yes 1466738
252053 07/01/2015 Debt collection I do not know Communication tactics Frequent or repeated calls I am receiving numerous robocalls from various numbers. When I answer, the call ends. I have called back several numbers, and they appear to be XXXX. I have asked them to cease, but they continue. \n Company believes it acted appropriately as authorized by contract or law First National Collection Bureau, Inc. FL 324XX Servicemember Consent provided Web 07/06/2015 Closed with explanation Yes No 1447174
252145 07/01/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received Credit bureaus, SHOULD NOT BE ALLOWED TO reinsert a removed item from your credit report without notifying you in writing within 5 business days. THIS UNETHICAL PRACTICE SHOULD BE INVESTIGATED. It is obvious, " Creditors, collection agencies, or credit bureaus, if they make attempts to report " Re-Age '' to a consumer 's report or account by updating the date of last activity on a consumer 's credit report in the hopes of keeping negative information on a consumers account longer. '' This is unacceptable. \n Company believes it acted appropriately as authorized by contract or law ERC GA 314XX Older American Consent provided Web 07/01/2015 Closed with non-monetary relief Yes No 1448306
252235 06/11/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt was paid Sometimes medical facilities charge what is considered in Florida a prohibited practice of balance billing. I suspect this collector - the Collection Information Bureau - is calling my home continuously about some related item. At one point I did ask them to stop calling but they keep calling anyway. \n Company chooses not to provide a public response Collection Information Bureau, Inc. FL 330XX Older American Consent provided Web 06/11/2015 Closed with explanation Yes Yes 1416838
252629 07/14/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Almost daily phone calls from Stellar Recovery for months now. All computer calls. \n\nI own my home, own my car, pay my credit card bill monthly, as well as utility bills, insurance, etc. \n\nI have a stellar credit rating, clean credit record, and owe money to no one. Obviously, this is unwarranted harassment. \n Company can't verify or dispute the facts in the complaint Stellar Recovery Inc. MI 480XX Older American Consent provided Web 07/14/2015 Closed with explanation Yes Yes 1467052
253066 07/20/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I have had this number for almost two years now and have been called by XXXX to XXXX collections agencies to include this Southwest which I called on XXXX XXXX, 2015 to tell them I am not the party they are attempting to collect from and have no idea whom they are. They ask for XXXX or XXXX XXXX each time. I am not sure if I spelled XXXX correctly. I again called this collection company on XXXX XXXX, 2015 for a call I received on Sunday XXXX XXXX, 2015 to let them know I was reporting them and a XXXX claimed I have never been called by them. Seems they all say that, but I maintain a scrap paper note of these calls and Southwest is one that has called with the same telephone number. My home phone is unpublished and unlisted for my privacy. \n\nNote I have been receiving collection calls for this party from the day I switched from XXXX system to XXXX and one reason I changed was because I received calls on XXXX system for a different party collection. I am filled to my ears with the annoyance as they call from morning to night, seven days a week. I am about ready to shut down my phone service. \n Company believes the complaint is the result of a misunderstanding Southwest Credit Systems, L.P. DE 199XX Older American, Servicemember Consent provided Web 07/20/2015 Closed Yes Yes 1474857
253075 07/14/2015 Debt collection Credit card False statements or representation Attempted to collect wrong amount XXXX XXXX continues to pursue this debt that is time barred and created from identity theft on a authorized user. They have a computer generated report ( hearsay information ) with wrong amounts and dates. I have informed them on several occasions, and proven to them that their information is inaccurate and they continue their pursuit. I am now having to go to court. I spoke with their attorney who has given false statements and does not do what he says he 's going to do \n Company chooses not to provide a public response Citibank CA 930XX Servicemember Consent provided Web 07/14/2015 Closed with explanation Yes No 1467278
253168 06/11/2015 Student loan Non-federal student loan Dealing with my lender or servicer Received bad information about my loan Currently I have student loans with Genesis Lending from classes that I attended at XXXX XXXX XXXX in XXXX, Wyoming from XX/XX/XXXX till XX/XX/XXXX. I am a veteran of the XXXX XXXX and as though I did receive benefits from my XXXX G.I. Bill, the money had to be used for living expenses since my husband and I were unable to receive campus housing due to our marriage status. Because of this, we were unable to use the G.I. bill for its intended use and now we are paying the student loans. Considering XXXX provided high hopes for attending the school, I became a XXXX GPA student and graduated with above and beyond characteristics. When I attended the introduction day where I had to sign tons of papers, I remember specifically them telling me to sign a paper for a private Genesis loan in which I had not been aware of. They wanted me to do this since I did n't not qualify for some other loan. The lady insisted that it was a good loan although I feel I did n't have much time to think about it and I feared that I would not be able to attend school if I did n't do this. I do n't remember going over interest rates or loan amounts but she did tell me they would wait till we graduated to pay them back. After graduation, I applied for many positions and did receive only XXXX call back. In addition my husband received XXXX. I became sole provider till he found a job but I was not properly prepared to work in the position I ended up getting as an XXXX at XXXX XXXX. My hands on teachings were out of date for the current repairs that I had to make on vehicles. I feel that my husband and I were ill-equipped for entering the XXXX as they had lead us on to be as well as my above and beyond attitude that I worked on while attending did not seem to have made a difference. I currently am a XXXX and both my husband and I feel that we did not receive enough or the right sort of education that would help us in the XXXX. We have felt like this for years. Our loans had been on multiple deferments and forbearance as well as while I did have a job, I do remember specifically XXXX instance where I received collectors calls and I had to tell them I could n't pay them back but the lady insisted that I make a payment that very day. The call ended in tears. Myself as well as my husband where not happy with our education as well as the position that we were left in when he could n't get a job and that we had to use the benefits money to pay for our living expenses at the time. We are still to this day trying to get ahead even with our loans on forbearance. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Genesis Lending CO 806XX Servicemember Consent provided Web 06/11/2015 Closed with explanation Yes Yes 1417245
253236 06/18/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt While I was undergoing a credit check in order to obtain my XXXX license, it was discovered that I had a previously unknown collection account on my credit. I contacted the debt collector " Southwest Credit XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX Phone XXXX '' and was told it was a debt to XXXX from several years earlier. I asked them for verification of the debt, however all they sent me was what looks like a blank XXXX bill with the amount they say I owe as a " previous balance. '' I called them back and they told me that that was all that they have and I would have to call XXXX myself. When I called XXXX I was told that they do not know what they debt was for and that I would have to get that information from the debt collector. I talked to Southwest Credit XXXX XXXX time and they were very curt and said " We gave you what we have, now you need to pay. '' While no one at either XXXX or Southwest Credit can explain what the debt is for, my fear is that they are claiming that they never got their cable boxes back. When I closed my account I did so in person and turned in my equipment, but for almost 6 months I got phone calls almost every day saying I had not returned my equipment. I always told the caller that I did return my cable boxes and they always said they would look into it, and then the calls would keep coming. At this point I do n't know what to do, I firmly believe the debt is not valid and neither XXXX nor Southwest Credit will provide me with anything to show that it is valid ... however this is seriously endangering my employment and if it is not resolved soon I will be force to pay it. I 'm basically being held hostage and robbed. \n Company believes it acted appropriately as authorized by contract or law Southwest Credit Systems, L.P. MO 652XX Servicemember Consent provided Web 06/18/2015 Closed Yes No 1427114
253270 06/11/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine when moved out of our apartment we had the carpet cleaned but the community wanted us to replaced the carpet in the whole apartment because XXXX room had a stain that the cleaning people could not get out. So we refuse to pay them so they put us in collection. Also we moved into XXXX of their apartment in XX/XX/XXXX we move out in XX/XX/XXXX we went back in the apartment on the XX/XX/XXXX to clean the carpet they are trying to collect two months of utilities and charge us 3 days of rent how can you owe them two month of utilities when it is paid with you rent and I do n't know where the get the three days of rent from but they have us in collection for this too. We need some help on how to get these collection off of us. \n Company chooses not to provide a public response FAIR COLLECTIONS & OUTSOURCING, INC. IL 601XX Older American Consent provided Web 06/11/2015 Closed with explanation Yes Yes 1417276
253427 06/18/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Frequent or repeated calls Repeated calls within a 24 hour period, violating FDCPA statutes regarding collection tactics. \n Company chooses not to provide a public response Bonneville Billing and Collections UT 841XX Servicemember Consent provided Web 06/18/2015 Closed with explanation Yes No 1428240
253505 07/20/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I cosigned a lease for my son. After he moved out of the apartment with the appropriate notice the the apartments kept billing us ( through a shell company ) for common electric, pest control and garbage collection. I wrote them several times and even sent copies of my canceled checks from my bank but they continued to bill me then put a negative mark on my credit. The apartments are XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. The shell company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX. I repeatedly asked for an accounting of my payments and their billing but never got a response. Also there is no way to contact this shell company except through mail as they do not have a phone number published. \n Company believes it acted appropriately as authorized by contract or law National Credit Systems,Inc. OH 450XX Servicemember Consent provided Web 07/24/2015 Closed with explanation Yes Yes 1474998
253601 06/25/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I received a phone call from contract callers inc. Saying i had a XXXX insufficuent funds check from XX/XX/XXXX of {$370.00} that needed to be paid. They said the check was from XXXX and i have never had an account with this bank. I told the man must be a mistake because this is XX/XX/XXXX and if i owed XXXX money i would not still have phone service 7 years later. Must be a scam ... trying to get money over the phone ... \n Company believes it acted appropriately as authorized by contract or law Contract Callers, Inc. MS 386XX Servicemember Consent provided Web 06/30/2015 Closed Yes No 1437425
253704 07/08/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt I called to get debt validation. I gave the full file account number. The call was recorded. The representative stated the number I gave was too many numbers. I was transferred to XXXX people with no result. \n Company chooses not to provide a public response Contract Callers, Inc. OH 436XX Servicemember Consent provided Web 07/08/2015 Closed Yes No 1456167
253858 07/01/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I just received a notice ( XXXX/XXXX/15 ) that I have an Open Collection of {$540.00} for a XXXX Bill that is being collected XXXX. This bill was never mine and I got this discharged by contacting XXXX XXXX XXXX. XXXX years ago and filed a fraud report with them. They removed me from oweing this bill. Several collection bureaus since then have reported my oweing this bill to credit agencies, usually XXXX XXXX. Each time I contact them and try to resolve the issue, but this is getting very old! Each time I resolve it, the collection is sold to another collection agency and it pops up again. The last time, I just let it go and eventually, over time, it did n't affect my credit score that much. Now it has been posted to XXXX XXXX again and it has dropped my score from XXXX to XXXX! I have NEVER done business with XXXX in any way! The original date of this bill was probably XXXX years ago! I want this removed from all credit bureaus and stopped from ever happening again and immediately! Thank you for yourhelp in solving this issue. \n Company believes it acted appropriately as authorized by contract or law CL Holdings, LLC MO 640XX Older American, Servicemember Consent provided Web 07/10/2015 Closed with non-monetary relief Yes No 1447541
254035 06/18/2015 Debt collection Medical Disclosure verification of debt Not given enough info to verify debt I had a XXXX in XX/XX/XXXX. had XXXX followed by XXXX & XXXX. By the time I was released to go back home some of the bills had already gone past due and were sent to collections. I have been fighting since then to get everything paid and my credit repaired. All that has been done except with Grant and Weber in XXXX, Ca. They refuse to give me an accounting and I wo n't pay until they do ( it 's about {$200.00} ) .But I am extremely unhappy with the unprofessional way they do business and resent my letter to them ( Certified ) and reported them to the California Bureau of Consumer Affairs XXXX They in turn referred me to the FTC who referred me to you. \n Company can't verify or dispute the facts in the complaint Grant & Weber CA 900XX Older American Consent provided Web 06/18/2015 Closed with explanation Yes No 1427428
254124 07/24/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I would like to dispute a collection account with Enhanced Recovery Corporation. XXXX XXXX XXXX originally held a {$69.00} debt for me over 4 years ago. I disputed with XXXX XXXX XXXX and was told that they would resolve it, yet, sold said debt to ERC. I have disputed this debt through XXXX and had it removed in the past, but ERC keeps reporting it. I last disputed with XXXX this week and was given a statement saying that the debt was valid. XXXX did not provide any details of the debt being valid. Also, the debt XXXX is showing says it was started in XXXX of 2014 which is also incorrect. The debt was originated over 4 years ago. \n Company believes it acted appropriately as authorized by contract or law ERC GA 315XX Servicemember Consent provided Web 07/24/2015 Closed with non-monetary relief Yes Yes 1485449
254181 07/08/2015 Debt collection I do not know Communication tactics Frequent or repeated calls Focus Receivable Debt Collection Agency is constantly calling with a recorded message. Do not tell who they are looking for. Returned call and no XXXX answered. Called again the next day and was hung up on. No one in this family has a debt that is n't being paid monthly. Today someone answered and they wanted all kinds of information like my name and telephone #. I told them that since they were not telling me who they were looking for then then they were not getting my personal info \n Company can't verify or dispute the facts in the complaint Focus Holding Company NC 287XX Older American Consent provided Web 07/14/2015 Closed with explanation Yes No 1456898
254229 06/25/2015 Debt collection Payday loan Communication tactics Frequent or repeated calls The Cash Store calls multiple times a day ( XXXX ) Using different numbers XXXX through XXXX. They have also begin calling my workplace. \n Company chooses not to provide a public response Cottonwood Financial Ltd. TX 769XX Servicemember Consent provided Web 06/25/2015 Closed with explanation Yes No 1437605
254331 06/25/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Frequent or repeated calls On XXXX XXXX. 2015 a representative from CCS called me and just started talking and asking for information without identifying herself. She started asking for my address, phone number and other personal information. I only found out who she was by hanging up and calling the XXXX. I have no written agreements with this company, they are not licensed to do business in the State of Texas I could be giving my information to anyone. A notice came by mail for {$29.00} for ATT but I do not owe XXXX anything, and if I did, XXXX should have contacted me before they sent anything to collections. I am not going to give someone I do n't know my information, checking account or anything else. They need to stop calling me and there should be nothing placed on my credit from this odd company. When I went online to try to contact them, their weird system had no way to send an email. Just too many people coming up with collection companies buying debt. \n\nNow they have called XXXX times and when I pick up, they say nothing. Ridiculous. \n Company believes the complaint is the result of a misunderstanding CCS Financial Services, Inc. TX 751XX Older American Consent provided Web 06/25/2015 Closed with explanation Yes No 1438902
254585 07/14/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Penn credit at XXXX is calling my parents and saying they have an important message for someone ( who does not live at the house ), calling many times a day. Caller ID showed Penn Credit as caller. \n Company believes it acted appropriately as authorized by contract or law Penn Credit Corporation DC 200XX Servicemember Consent provided Web 07/14/2015 Closed with explanation Yes No 1467842
254608 06/12/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid Payment was made to the original creditor in an agreement letter for a lesser amount than owed. Creditor agreed to terms and cashed check ( electronic debit ) from my checking account. Letter stating this, and all supporting documents were sent to all XXXX credit bureaus for removal. Collection agency who purchased account from a third party refuses to remove information from my credit reports XXXX and XXXX credit bureaus have stated this erroneous information has been verified by this third party collector. Collection agency states they purchased this account from another collection agency. My understanding is they are in violation of FDCPA Sec. XXXX ( a ) and they have used false representation and deceptive means to collect or attempt to collect any debt or to obtain information concerning a consumer. The original creditor agreed to remove the item in exchange for payment and any adverse information, and then failed to follow through with removal ; they are in violation of FDCPA by using deception. Collection agency also stated they are contracted by the original creditor which is false, once again deception ; this collection agency has no contract with me, and has never sent me any prior information of this debt. I ask that this derogatory information be removed from all " XXXX '' of my credit reports. Thanks for your attention to this issue. \n Company believes it acted appropriately as authorized by contract or law ERC NV 891XX Servicemember Consent provided Web 06/12/2015 Closed with non-monetary relief Yes Yes 1418343
254646 06/18/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt On XXXX I had a Seller account with EBAY, in good standing. Due to health problems, I could not continue selling my products on EBAY, with the inability to pay a balance of {$140.00}. \n\nOn XXXX XXXX, XXXX, all my debts, including the {$140.00}, were discharged on Chapter XXXX Bankruptcy Court. \n\nOn XXXX XXXX, XXXX, ( XXXX years later ), after having resolved health and financial issues, I decided to sell small items on EBAY again, but found the account was suspended because of an unpaid account balance of around {$140.00}. \nI proceeded to call EBAY by phone Customer Service to solve the suspension issue. According to the Accounts supervisor, XXXX XXXX, I was not authorized to be an EBAY seller any more because my account was suspended due to unpaid fees. \nI explained XXXX XXXX about the Chapter XXXX discharge, but he insisted that " The bankruptcy filed is not the cause of the suspension it is from the fees ''. \nXXXX XXXX said I could open a new account, however, he contradicted that it would be problematic, because it will be link to my suspended account. \nIn other words, EBAY has no problem at all with the Bankruptcy discharge. They are for ever penalizing me for suspension of fees on my records. \nBottom line, there is no way I will ever be able to open a seller 's account with EBAY no matter what. \nXXXX XXXX was not able to provide me with copy of EBAY Sellers policies regarding the matter in question. \nI would like the CFPB to investigate if EBAY is complying with the Consumer 's Federal Laws. \nMy opinion is that there should be no problem in opening a new fresh Sellers Account, without having the burden of an eternal negative suspended record. \nThe Chapter XXXX gave me the opportunity to put in order all of my finances. Now, I have an excellent record in the Credit Bureau, including a good standing with several Creditors and want to start new with EBAY. \nFollowing is copy of XXXX XXXX 's letter. \nThank YouFrom XXXX XXXX, today, XXXX XXXX, XXXX. \n\nAbout our phone conversation SR # XXXX ( XXXX ), This is XXXX XXXX, eBay Customer Service Supervisor. As what we have discussed about your question in creating a new eBay account. \nYou can freely create a new eBay account at the same time our system is designed that if XXXX or more accounts are related to each other then those account will be linked. Since this account ( XXXX ) is currently suspended then this account may be linked to the new account. The bankruptcy filed is not the cause of the suspension it is from the fees. The purpose of the bankruptcy filed was to offset the charge meaning we are prohibited from collecting the money from the account. And because your eBay account was suspended prior to the date you filed for bankruptcy eBay is n't required to reinstate the account. \n\n\n\n\n\nHope this information clarifies everything. \n Company can't verify or dispute the facts in the complaint PayPal Holdings, Inc. FL 327XX Older American Consent provided Web 06/18/2015 Closed Yes Yes 1426741
255038 06/18/2015 Debt collection Auto Cont'd attempts collect debt not owed Debt is not mine Roquemore and Roquemore has been contacting my family members and former in-laws regarding a debt that has been verified as fraudulent and removed from my credit report already. A number of years ago, a distant relative established an identity utilizing my middle and last names with alternative residence, identification, and social security information. He was then able to secure credit, a residence and even an on-going vehicle loan. I have worked diligently to have these items removed over the years. As often as I have been able to, I have contacted creditors to have statements and accounts forwarded to me for legal purposes and to contest debts. There is a fraud affidavit affixed to my credit report, as well as other protections to prevent new accounts from being established. Now Roquemore & Roquemore is calling threatening my family members and demanding that the location of a vehicle be disclosed. I reiterate that this is not my account, I do not possess this vehicle and we have no contact with the family member that committed the fraud. The fraudulent social security number ends in XXXX, which is NOT my social security number. When I attempted to call and explain this, the representative presumed that I was lying and became livid and started screaming. I asked that they provide me an address where I could submit proof of this being a case of fraud, yet she threatened that continued calls to my family, landlords, employers and the like would continue if I did not provide the vehicle. I have promptly called an attorney and had them to draft a cease and desist order. They ( Roquemore & Roquemore ) have made no efforts to validate this debt, or it would become blatantly obvious that they do not have my true social security number or name. The original creditor ( XXXX XXXX XXXX ) employed the same tactic of skip-tracing and attempted to add my full name and social security number to the account, which warranted the item being removed XXXX by the credit bureaus. \n Company can't verify or dispute the facts in the complaint Roquemore Holdings LLC NC 270XX Servicemember Consent provided Web 06/18/2015 Closed with explanation Yes No 1427818
255043 07/24/2015 Debt collection Credit card Communication tactics Frequent or repeated calls My dad XXXX XXXX owes XXXX, and the debt collector is XXXX, XXXX. I am power of attorney for my dad and have been trying to make payment arrangements. They will not accept unless I give them my debit card number or banking information. I explained to them that I could either mail in payments, pay online or by XXXX XXXX. They will not accept. I have still been mailing in payments. I told them that I would make a payment on XXXX/XXXX/2015 but they have been calling every day. They are trying to get my account information. The representative that I spoke to is XXXX XXXX and is also the one that keeps calling. Also, the age and last XXXX of ssn are my dad 's since it is his account, but they will also have my name on record as poa \n Company believes it acted appropriately as authorized by contract or law Capital Management Services, LP RI 029XX Older American Consent provided Web 07/24/2015 Closed Yes No 1485764
255175 07/20/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine XXXX emailed me that I have a account in collections on my credit report, I called the collection company and explained the debt is not mine. I then called the company that sent the info to the collection company and have no gotten anywhere in over a month. \n Company believes it acted appropriately as authorized by contract or law ERC OH 440XX Older American Consent provided Web 07/20/2015 Closed with non-monetary relief Yes No 1475573
255306 07/24/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid i made last payment on loan XXXX XXXX i was later notified by family member XXXXthat World Finance had contacted them looking for me. I contacted XXXX and was told that I owed them {$15.00} dollars. I REGULARLY RECEIVE MAIL FROM THEM. Why did n't they contact me? My obligation for that loan was taken care of when imade last payment. It is showing on my credit reprots bas paid and also a balance. \n Company believes it acted appropriately as authorized by contract or law World Acceptance Corporation LA 712XX Older American Consent provided Web 07/28/2015 Closed with explanation Yes No 1486232
255585 07/24/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt This charge is for " Roaming Charges '' while on a cruise. I did not make or receive any calls, did not text or receive any texts ( except from XXXX ), and/or did not connect to any website while out of the country ; therefore I received no benefit. I initially disputed this charge w/XXXX, by my phone call, in XX/XX/XXXX and asked for details of the charges, which I never received. I disputed the charges again XXXX XXXX ( collection agency ), who sent a demand letter, in a letter dated XX/XX/XXXX and again requested a statement detailing any numbers that were called or received, and the web sites that were visited during the period while I was out of the country, and once again received nothing. My account was then passed on to the XXXX XXXX XXXX ( another collection agency ) and I received a demand letter from them. I wrote to XXXX XXXX XXXX on XX/XX/XXXX and informed them that the charge was not valid and that I had already disputed the charge with XXXX and another agency. I explained that I received no benefit for the charges, and despite XXXX requests, I had not received anything validating the charges. I informed them that I would not respond to any more inquiries. On XXXX XXXX they signed for my certified letter and my account was reported to XXXX as a collection on XXXX XXXX. My XXXX Credit Score has just dropped from XXXX to XXXX due to this. I 've not checked, but I 'm sure that my XXXX and XXXX XXXX scores have dropped as well. I have a collection on my credit report for a medical bill which I disputed. The scenario with that bill was exactly the same. When I would dispute it with a collection agency they would drop it and then it would be sent to another agency. I finally gave up sending letters and explaining the situation over and over again. This practice has got to be in violation of the FCRA and I do not intend to have another collection on my record that is not valid. Enhanced Recovery should be shut down based on accounts that I 've read when I researched the phone number that they called from. \nSince then I received another collection letter from Enhanced Recovery Company , LLC. I have verified that they called me on XXXX and today ( XXXX ), left it ring XXXX, hung up before I could answer and left no message. The number that they called from is ( XXXX ) XXXX. I have no interest in contacting them as I have already made it clear to XXXX other collection agencies that I do not owe XXXX {$620.00} and that I requested a detailed statement which I have not received. They do not have a detailed statement as explained above. I sent a letter to XXXX requesting that they remove the collection. They did not remove it but they did indicate on the report that the account is in dispute. \n Company believes the complaint is the result of a misunderstanding ERC WV 254XX Servicemember Consent provided Web 08/03/2015 Closed with non-monetary relief Yes No 1485974
255595 07/24/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid In 2010 I went to the emergency room. I gave them my insurance card and all pertinent information. I received a notice from my health insurance company that the claim was submitted but to the wrong address ( state ) -- it should have been submitted to PA. The insurance company sent them a letter DETAILING how to correctly submit the claim. I called and went over all the information again and explained their error. THEY RESUBMITTED TO THE WRONG STATE AGAIN. They were contacted again and the claim was NEVER RESUBMITTED. I have NEVER been without health insurance in my life. I have already disputed this on my credit several years ago and nothing was done except to put a comment " account in dispute ''. Thank you for all your help. XXXX \n Company believes it acted appropriately as authorized by contract or law HCFS Health Care Financial Services, Inc. DE 198XX Older American Consent provided Web 07/30/2015 Closed with explanation Yes No 1486424
255748 07/24/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Called after sent written cease of comm This company, Swiss Colony, is making frequent repeated phone calls using a call center based in XXXX XXXX, XXXX XXXX, to my home asking when a debt I incurred is going to be paid. The calls occur at least XXXX times weekly. ( A record is being maintained. ) I have responded appropriately to the company 's XXXX ( XXXX ) written communiques, acknowledging that I owe the amount due and will pay it by XXXX XXXX, 2015 or sooner, and I have asked the vendor 's representatives to STOP CALLING ME. I have attempted to talk personally to the company 's credit department supervisor but ( s ) he does not call me back. NOTE : Company acknowledged receiving my personal responses but says I " will continue to get these phone calls because they can not stop them ''. \n Company believes it acted appropriately as authorized by contract or law Colony Brands, Inc. AZ 850XX Older American, Servicemember Consent provided Web 07/24/2015 Closed with non-monetary relief Yes No 1486034
255789 07/14/2015 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect I did not know that these people were not licensed to perform usury banking operations in California and the USA. .they charged me {$800.00} for a {$600.00} account. \n Company believes it acted appropriately as authorized by contract or law BlueChip Financial CA 917XX Older American Consent provided Web 07/20/2015 Closed with explanation Yes Yes 1468675
255821 06/25/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid Last year I filed several complaints, case # XXXX and case # XXXX against both XXXX and XXXX, stating they violated the FCRA and FDCPA thru their deceptive use of my credit report. \nThey attempted to collect a debt that was not owed, nor could they substantiate, nor provide me with proof of the debt. \nXXXX removed the debt from my credit report in XXXX, 2014, as a result of this complaint. \nXXXX has now hired another company Enhanced Recovery Corp to collect on the same debt they claim I do not owe them. \nThis is malicious action has damaged my credit and character. \nThey are engaged in the same violations as XXXX was. \nThis is a patterned action by XXXX and I ask your agency to investigate the matter. \n Company believes it acted appropriately as authorized by contract or law ERC NJ 071XX Servicemember Consent provided Web 06/25/2015 Closed with non-monetary relief Yes Yes 1439029
256214 07/15/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt was paid I had cable service from XXXX XXXX that was contracted through XXXX XXXX. All billing for my cable service was received from XXXX. I never had an account directly with XXXX XXXX. Upon the end of service, I received a bill from XXXX that reads FINAL BILL more than a year ago. The FINAL BILL showed that I overpaid the account by more than {$50.00}. However, XXXX XXXX created an account after service ended and continues to send me fraudulent bills via collection agencies attempting to collect at first {$230.00}, then {$140.00}, and recently {$98.00}. On XX/XX/XXXX, I contacted XXXX via certified letter to dispute the debt, provided a copy of FINAL BILL proving balance was not owed. This collection company stopped contacting me after the letter was sent. Then I received collection attempts from XXXX XXXX XXXX in XX/XX/XXXX and XX/XX/XXXX. Again, I sent a certified letter to dispute the debt, provided a copy of the FINAL BILL providing the balance was not owed. This collection company also stopped contacting. \nHowever, on XX/XX/XXXX, another collection company called Allied Interstate has sent me a letter attempting to collect the debt. Will all collection companies across the USA attempt to collect an alleged debt on a fraudulent account for the rest of my life? Will I be required to send certified letters every 6 months when XXXX XXXX sells the fake account to another collection agency until the statute of limitations passes ( another 5.5 years from now )? \n Company chooses not to provide a public response Allied Interstate LLC OH 440XX Servicemember Consent provided Web 07/15/2015 Closed with non-monetary relief Yes No 1468584
256243 06/19/2015 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect I took out a loan in 2011 from Cash Call for XXXX The balance never goes down The interest on this loan was 139 %. I see where there is a lawsuit against them from certain states and my state Indiana is XXXX of them. I have stopped paying them since I already have paid them over XXXX. I guess if they try to sue me I will have to get a lawyer. I do n't feel I should pay them anymore money. \n Company believes it acted appropriately as authorized by contract or law CashCall, Inc. IN 465XX Older American Consent provided Web 06/19/2015 Closed with explanation Yes No 1430862
256319 07/15/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine We keep getting called by XXXX, upon answering the message says this is a debt collection call, press # to speak with someone or it just forwards our call to someone. Name of Company : Allied Interstate looking for " XXXX '' They have been calling repeatedly for a month now even though we have contacted the company by phone. \n Company chooses not to provide a public response Allied Interstate LLC NV 890XX Servicemember Consent provided Web 07/15/2015 Closed with non-monetary relief Yes No 1468982
256342 07/08/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine is not me \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Stellar Recovery Inc. FL 331XX Older American Consent provided Web 07/13/2015 Closed with explanation Yes No 1457412
256445 07/25/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine We received a recorded call that can only be partially heard because the recording starts before the tone indicated by our answering device for starting a message. However, we did hear them identify themselves as " this is a debt collector ... .etc. '' We are a health services office and do not have any outstanding debts. \n Company believes it acted appropriately as authorized by contract or law Aargon Agency, Inc. NV 898XX Older American Consent provided Web 07/28/2015 Closed Yes No 1487046
256499 07/25/2015 Debt collection I do not know Communication tactics Frequent or repeated calls Allied Interstate constantly calls my home several times a day. When the call is answered no one answers on the other end no matter how many times you say hello. When the call is not answered, they leave a blank voicemail. \n Company chooses not to provide a public response Allied Interstate LLC NJ 080XX Servicemember Consent provided Web 07/25/2015 Closed with non-monetary relief Yes No 1486876
256532 07/20/2015 Debt collection I do not know Communication tactics Threatened to take legal action Received call from ( XXXX ) XXXX and msg indicated call ( XXXX ) XXXX -- person answering did not identify the company I was calling and got testy when I asked what company I was calling ( interestingly, without my telling this person my name, they had my name ) -- I refused to give this person my name and asked at the get-go what company had called me. This person was yelling at me stating that " no one ever calls and not states who they are ... '' -- stated I was being sued for a $ XXXX debt and writing a bad check for over {$1000.00}. I am not the person they wanted : name was my first and last name, date of birth not mine, state of residence at time of " crime '' was in Louisiana. This person was very, very rude, yelled at me, and threatened to send case for me to be arrested. Finally after verifying the above name, date of birth, and state, the said would remove my name and number ; however, I have received several calls from this same number. Please do something about this. When I looked up both telephone numbers on the internet, there are complaints about a man named " XXXX XXXX '' -- I still do not know anything about the company or the company he is " representing ''. \n Company can't verify or dispute the facts in the complaint Direct Capital CA 902XX Servicemember Consent provided Web 07/27/2015 Closed with explanation Yes No 1476064
256584 07/25/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Called after sent written cease of comm Since being contacted by this company I have replied to each letterin writing, provided a detailed narrative of the problems and a requestto cease any further contact on this issue. That request has beenignored. \n Company believes it acted appropriately as authorized by contract or law Penn Credit Corporation MO 633XX Older American, Servicemember Consent provided Web 07/25/2015 Closed with explanation Yes No 1486914
256800 07/26/2015 Debt collection I do not know Disclosure verification of debt Not given enough info to verify debt I received a letter from my Bank today XXXX/XXXX/15 that Johnson Mark LLC of XXXX Ut. is requesting my XXXX Bank records. I have never received any contact from them via ph/email or post. The letter from my bank states I need to obtain professional assistance to stop my Banking info being supplied on XXXX/XXXX/15 to this Johnson Mark LLC which I found out is a collection agency. As stated earlier I 've never received any notice or contact from these people before. \nI need to stop them from obtaining my Bank accts. \n Company believes it acted appropriately as authorized by contract or law Johnson Mark LLC UT 840XX Older American Consent provided Web 07/31/2015 Closed with explanation Yes No 1487176
257088 07/26/2015 Debt collection Mortgage Cont'd attempts collect debt not owed Debt was paid My husband and I lease a XXXX bedroom XXXX bath apartment XX/XX/2005 for 3 months with The XXXX XXXX in XXXX XXXX, Texas. We chose that particular apartment complex because they did short term leases of 3, 6 or 9 months. We stayed there until XX/XX/2005 as our contract said and paid for deposit and 3 months of rent. We found a home to buy XX/XX/XXXX so we were out of the apartment around XX/XX/XXXX when we took possession of our new home. All we got was a call from The XXXX XXXX asking for our 4th months rent which we did not pay because we had met out lease agreement and owed them nothing! Now I find out that they sent this to a collection agency who has never contacted me or my husband. Plus we never received back our deposit!!!! \n Company can't verify or dispute the facts in the complaint National Credit Systems,Inc. TX 786XX Older American Consent provided Web 07/26/2015 Closed with explanation Yes No 1487342
257157 07/27/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt i have XXXX accounts on my credit report with the same company only one is correct \n Company believes it acted appropriately as authorized by contract or law ERC AL 350XX Older American Consent provided Web 07/30/2015 Closed with non-monetary relief Yes No 1487503
257160 07/27/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine A company from another state has made bearing of false witness stating I have a medical bill of {$230.00} that they have falsely put onto MY CREDIT REPORT. Collection agencies that are being SUED FOR False representation WILL SERVE PRISON TIME. I DO NOT HAVE TO PUT UP WITH NOT ONE FALSE CLAIM. The robo calls and phone cramming started XX/XX/XXXX. There were also XXXX text and XXXX photograph XXXX sent to my phone. I sent a REPORT TO THE CREDIT BUREAU 'S on came back and claimed they checked on that bogus white collar crime debt saying it was updated - WRONG. That illegal debt collection SCAM IS FRAUD. Then it was stated that the debt was from XX/XX/XXXX - NOW FROM An ILLEGAL debt collection agency, NO that was not a verification as it was not verified where it came from AND THAT ILLEGAL debt collection agency HAS ALREADY BEEN REPORTED AS FRAUD. AN ILLEGAL update only ILLEGALLY put an ILLEGAL longer time on MY CREDIT REPORT - THAT IS FRAUD NOT A VERIFICATION. Calls have come from a XXXX XXXX XXXX number that started out saying they were a reputable school and could assist ME with any kind of degree I wanted. After I said NO, they kept on calling. I noticed that after awhile, my phone stopped working as well. Calls were not going through or dropped during conversations, I was not getting the full time of 30 days for phone access. My data was not working or saying I used too much data, I DO NOT USE MY PHONE THAT WAY. Then the same phone numbers of ; XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX - Called WITH A FAKE robo voice AND would NOT respond. Then later started Harassing saying I owed a debt. THIS IS connected to FRAUD from companies that have already ILLEGALLY taken My car and have threatened FRAUD on a house debt - ALL TOTALLY ILLEGAL AND WHITE COLLAR, or BLUE COLLAR CRIME. I KNOW MY INALIENABLE RIGHTS!!!!!!!! THAT STATEMENT IS IN GOD WE TRUST not no man of his selfish ways bearing false witness. CMRE Financial XXXX XXXX XXXX, XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX, XXXX. XXXX, XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX. \n Company chooses not to provide a public response CMRE Financial Services, Inc. OK 735XX Servicemember Consent provided Web 07/27/2015 Closed with explanation Yes Yes 1489331
257162 07/08/2015 Debt collection Payday loan Taking/threatening an illegal action Threatened arrest/jail if do not pay claiming that they a company called American Credit Resolutions and that they are going to arrest me if i do n't pay. \nI made the mistake of giving them my information. \nThe original creditor : XXXX gave them {$200.00} i do n't think there legitXXXX XXXX XXXXAmerican Credit ResolutionsXXXX XXXX, Georgia XXXX is the new number \n Company believes complaint caused principally by actions of third party outside the control or direction of the company American Credit Resolution, Incorporated TX 752XX Servicemember Consent provided Web 07/08/2015 Closed Yes No 1458199
257447 07/15/2015 Debt collection I do not know False statements or representation Attempted to collect wrong amount Debt never validated. Settled with original creditor. This creditor presenting false and misleading information to credit bureaus damaging access to credit markets. \n Company believes it acted appropriately as authorized by contract or law Navy FCU CO 802XX Servicemember Consent provided Web 07/15/2015 Closed with explanation Yes Yes 1470882
257457 07/27/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I had an account with XXXX and wanted to add my husband onto my account. A store salesman convinced us to switch to a business account, which we did. They upgraded our phones and we were all set. A couple of months later ( recently ) I began to get phone calls where an operator was on the line and then, brought a man on. He knew my name and said he wanted to verify my address which he mentioned. I said I did n't know who he was and was not going to verify anything. He would not say anything else. He called at least XXXX times a day from XXXX in the morning to XXXX or so in the evening for a couple of weeks!! I called XXXX XXXX my phone company who tried to help. I submitted XXXX phone numbers which they blocked. I was about to go to the police. I had nightmares ... He KNEW my address ... I did n't know if someone was going to come and kill me ... I was not aware of owing any bills. Today I was going to have my phone turned off when I get mail from Receivables Performance Management. They said I owed XXXX {$710.00}. I was not aware of owing this. I am a customer of XXXX! I was never informed of owing them anything!! After talking to XXXX, the person who switched my account failed to switch my phone to the new business account. So, I owed the entire amount of that phone which was supposed to be on a plan over time. They sent it to collections, and COULD DO NOTHING TO HELP ME!! They never sent me a bill or let me know in any way that I owed this. \n Company chooses not to provide a public response Receivables Performance Management LLC ME 046XX Older American Consent provided Web 07/31/2015 Closed with explanation Yes Yes 1487960
257611 08/02/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Debt claims I owe {$110.00} since XX/XX/XXXX. Seeing as though I was working in XXXX, it ca n't be authentic. Last reported in XX/XX/XXXX to the credit agencies. \n\nI already wrote to this company with no response. \n Company can't verify or dispute the facts in the complaint CCS Financial Services, Inc. OH 441XX Older American Consent provided Web 08/02/2015 Closed with explanation Yes No 1498215
257612 08/02/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Threatened to take legal action I have experience this 3 times inside of 2 years with 3 different carriers as my XXXX condition required 2 moves. \nThis was a XXXX where I purchased the phones that claimed they would work in XXXX they did not- although there map of coverage and customer service claimed it was within the coverage areas. \nPurchased cell phone plan- cell phone provider was unable to meet the requirements of data services, coverage. Numerous calls to report missed calls, dropped calls, poor service or no service in areas that they claimed had service coverage. \nAfter months of calling customer service and complaining I cancelled my contract due to them not holding up there end of the contract- at that time I was told I could not do that and they would take immediate legal action. \nI figured since they said they were taking me to court I would n't have to do any of the filing and it was on them- surprise it went to collections. \n Company believes it acted appropriately as authorized by contract or law CL Holdings, LLC IA 525XX Servicemember Consent provided Web 08/02/2015 Closed with non-monetary relief Yes No 1498219
257749 07/21/2015 Student loan Non-federal student loan Dealing with my lender or servicer Trouble with how payments are handled This is the second complaint I have filed against Sallie Mae. I took out several loans between XXXX to attend school overseas at XXXX University. After studying I was married and moved overseas once again with my husband for the military. Finding work here is scarce and we are relying solely on a single paycheck. I have now been dealing with attempting to repay Sallie Mae since XX/XX/XXXX, I am clearly frustrated and at loss of what further action to take! I have been attempting to make payments which have been reversed/not accepted and my total balance and interest are constantly increasing to unreasonable heights. After being forced into forbearance multiple times, and paying hundreds of dollars that will never be applied to my loans, I am now being threatened with the default of my loans. I have asked numerous times for the amount to be reduced to an achievable payment and this request was, of course, denied as well. This company will not work with me, only against me, and I am feeling quite out of options at this point. \n Company believes it acted appropriately as authorized by contract or law Sallie Mae AE 090XX Servicemember Consent provided Web 07/21/2015 Closed with explanation Yes No 1476993
257865 07/15/2015 Payday loan Payday loan Applied for loan/did not receive money Applied for loan/did not receive money I applied for a loan with company and was approved with a initial credit limit of {$650.00} that I could take out cash advances out against so I requested a {$400.00} dollar advance and was approved and I received emails showing all this from company but when it came time to fund account instead of money all of sudden they decide I do n't qualify even though they had my social security number and done check from beginning and still approved it first time should have not been rejected this is fraud doing it based on age .Also I offer to send in all papers showing income and my identity for proof based on letter but they said no which I had no problem faxing the papers to them. \n Company believes it acted appropriately as authorized by contract or law Enova International, Inc. TN 380XX Older American, Servicemember Consent provided Web 07/15/2015 Closed with explanation Yes Yes 1468639
258074 08/03/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Was employed in XXXX from XX/XX/XXXX until XX/XX/XXXX. While I was employed in the XXXX of XXXX, my identity was used to open accounts. \nI have tried to clear up any confusion. I have written to the debt collector certified mail and the credit reporting agencies. \nOn XXXX, it indicated removed but then it re-appeared. It is contradictory postings. \n Company believes it acted appropriately as authorized by contract or law CL Holdings, LLC OH 441XX Older American Consent provided Web 08/03/2015 Closed with non-monetary relief Yes No 1498644
258121 07/15/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Harassing phone calls for XXXX years. I do not owe any money to anyone, this was always a mistake. Told them by phone. Sent them a letter through their organization. Reported them to XXXX. Notified the Attorney General of Virginia. They have called at XXXX on Sunday morning, all hours day and night. It stopped in 2011 after the attorney general notified them to stop. Recently it has started again and I want it stopped before I explode. I am XXXX vet with XXXX and need to have the harassment stop. It is insane that someone who 's paid every bill over his lifetime should be bothered by XXXX like this at age XXXX. The company, Allied Interstate, is obviously run by incompetents and or psychopaths \n Company chooses not to provide a public response Allied Interstate LLC VA 236XX Older American, Servicemember Consent provided Web 07/15/2015 Closed with non-monetary relief Yes No 1469531
258161 07/09/2015 Debt collection I do not know Communication tactics Threatened to take legal action There was n't a category that matched this and it 's more I 'm considering legal action. \n\nI have been trying to contact Gatestone about a debt I have that got transferred to them. The numbers provided go to voicemail only and voicemails do not get answered. I checked my credit report and the account with the original debtor is showing that I have n't paid since 2013, but I have been making regular payments. I also need them to acknowledge that this is the last month for a payment \n Company chooses not to provide a public response Gatestone & Co. International Inc. TX 750XX Servicemember Consent provided Web 07/09/2015 Closed with non-monetary relief Yes No 1459133
258250 07/09/2015 Student loan Non-federal student loan Dealing with my lender or servicer Don't agree with fees charged I believe I have Genesis loans from XXXX Colleges and would like to know if they were included in the CFPB settlement. My school location was XXXX College, XXXX XXXX. I still receive letters from them. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Genesis Lending CA 907XX Servicemember Consent provided Web 07/22/2015 Closed with explanation Yes No 1459173
258337 08/03/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Dear Representative, This is NOT my debt and I NO knowledge of the DISPUTED acct. \nIt 's passed seven years and they proceed to attempt to collect on it. \nIn the past they were notified to stop collection on a acct. that is not mine or was opened under Identity Theft! It permanently remains disputed and must be removed off my credit file. \nThank you, XXXX XXXX XXXX \n Company chooses not to provide a public response SquareTwo Financial Corporation MI 480XX Older American Consent provided Web 08/03/2015 Closed with monetary relief Yes No 1500324
258342 07/09/2015 Payday loan Payday loan Can't stop charges to bank account Can't stop charges to bank account In XXXX, I needed a loan in order to pay my rent. I am XXXX retired XXXX veteran, largely living off of my XXXX pension. Cashnet USA, the Pay Day XXXX loan company I borrowed from, initiated predatory repayment practices immediately. They deliberately schedule automatic debits from my bank account before the end of the month, not even on the last day, with the obvious purpose of forcing customers into collection status. They essentially intercept my XXXX payment now, because my account is charged almost immediately after I receive my XXXX payment. They charge such a high interest rate XXXX 299 % ), in addition to various fees, that my balance only goes up, rather than down, even with regular, large monthly payments. \n\nMy last payment was {$410.00}. They have nearly reached a 100 % profit mark through my repayments. They forced me to borrow more, when I did n't wish to, because they intercepted my XXXX payment one month when I relied on that exclusively. I had no other means of paying for rent and food, and was forced to borrow again. Their system keeps me XXXX and others ) in permanent debt, continually leeching money from bank account. I can not get them to stop, but if they do n't stop adding unfairly large interest, I can never pay off the balance in full, which is the only way to end their abuse of me. \n\nI would gladly pay the balance, if they would only stop increasing it every month, but I can only do it that if they do stop. It became clear to me that this is exactly the result they intend to create, especially with the fact that they debit the account so early, before most people are paid. I believe I have acted in good faith, and that they have trapped in this system of theirs. Had I realized that they designed this system to be inescapable, I would never have applied. \n\nI am writing this as a plea for help, for arbitration, to get this predatory company to leave my federally protected XXXX pension alone. My bank is XXXX XXXX XXXX, in Virginia. They are unable to stop Cashnet USA from debiting my account repeatedly, without my signing an affidavit of fraudulent activity, which I am not sure is appropriate, as I entered into the agreement voluntarily ( although misled by Cashnet USA XXXX. \n Company disputes the facts presented in the complaint Enova International, Inc. VA 221XX Servicemember Consent provided Web 07/09/2015 Closed with explanation Yes No 1459202
258382 07/15/2015 Debt collection Non-federal student loan Cont'd attempts collect debt not owed Debt was paid I held a debt amount with XXXX XXXX XXXX Online ( XXXX XXXX XXXX ) and was originally owed tuition reimbursement for dropped classes. I held a balance with the school and was told I did not have to fulfill the balance until my reimbursement was received. After coordinating my tuition reimbursement I called the school to pay the amount due and they notified me that they forwarded my balance to collections. This is the first issue. \n\nAfter receiving that information I called the collections agency involved ( XXXX ) and was told that I could not remove the balance from my account due to it being a student loan and that my amount due was more than my reimbursement amount. I initially paid half of the balance up front and paid the remaining balance on XXXX/XXXX/2015. I have a written paid in full email from XXXX. \n\nTwo months later I was contacted by First-Source Collections agency via phone and was told that I have a balance from XXXX XXXX XXXX ( XXXX XXXX XXXX ). I immediately disputed the claim and asked for contact information to submit my paid in full letter from XXXX. \n\nAfter submitting the letter First Source called me back 1 month later and informed me that I still had a balance from XXXX and that it was forwarded from XXXX to XXXX and then XXXX disbursed the amount remaining to the company that now owns the amount First Source. \n\nI was originally told by XXXX that my only balance that was originally held with XXXX was my only balance on record with the company when I originally made my dispute. My issue is that a random $ 1600.00+ balance was wrongfully generated with XXXX XXXX and that without justification they reported to my credit the loan amount while it was still in dispute. This amount is completely false and I believe that XXXX XXXX XXXX via First Source is fraudulently trying to charge me already paid for sums of money originally held by XXXX and paid for by myself. \n Company believes complaint is the result of an isolated error FirstSource Advantage, LLC VA 221XX Servicemember Consent provided Web 07/20/2015 Closed with explanation Yes No 1469642
258453 08/07/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I received a letter from Credit Managementt L.P. of XXXX, XXXX requesting payment of {$56.00} on behalf of XXXX XXXX. I replied to them with the information that I have never lived in XXXX or anywhere in XXXX, that no family member or anyone for whom I might have fiscal responsibility has ever lived in XXXX and that I have never had an account with XXXX XXXX. \nI requested that they provide verification of the debt - in particular the account information from XXXX showing when the account was opened, by whom, and the date the debt was created. \nTheir sole response was that they had talked to XXXX and verified the debt. This seems extremely insufficient to me and I am not inclined to pay a bill just because someone says-so. \nI am surprised that they have such a business model, where they expect to extract monies from consumers simply by sending letters demanding money. I would also be surprised if that kind of demand was even legal - I would expect that they would be legally required to provide some proof of the debt beyond what they have provided, which is no proof at all. It is not my burden to prove that I do not owe a debt, it is theirs to prove that I do. \nI have responded to them indicating that I will not pay anything until concrete proof that the debt is mine is provided to me, and I will further register a complaint with the XXXX. \n Company believes the complaint is the result of a misunderstanding The CMI Group, Inc. VA 220XX Older American Consent provided Web 08/07/2015 Closed with non-monetary relief Yes No 1508148
258559 08/07/2015 Debt collection Credit card Communication tactics Frequent or repeated calls continued attempts from numerous collection agencies trying to collect on same acct. \n Company believes it acted appropriately as authorized by contract or law Forster & Garbus LLP NY 112XX Older American, Servicemember Consent provided Web 08/18/2015 Closed with explanation Yes No 1508136
258648 08/13/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine The Collection Company keeps calling and calling we have told them we do not owe them any money no body at this number owes any money they keep calling every day no matter what you tell them. \n Company chooses not to provide a public response Radius Global Solutions LLC FL 344XX Older American, Servicemember Consent provided Web 08/13/2015 Closed with explanation Yes No 1517906
258684 07/15/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Focus Receivables Management keeps calling my cell phone number, when I call I get a person who can not even speak clear XXXX. I tell them I am not receiving letters from them, so obviously I do not owe them any money. They insist I am the person owing money. I have no debts to them. \n Company can't verify or dispute the facts in the complaint Focus Holding Company OH 439XX Servicemember Consent provided Web 07/15/2015 Closed with explanation No No 1469756
258848 08/07/2015 Debt collection Medical False statements or representation Indicated committed crime not paying XXXX XXXX XXXX XXXX XXXX XXXX Phoenix Financial Service LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXThis companys try to collect money from me, i dont have debt with this cmpanys they call me and sent letters form a medical bill \n Company disputes the facts presented in the complaint Phoenix Financial Services LLC TX 770XX Older American Consent provided Web 08/07/2015 Closed with explanation Yes No 1508312
259054 08/03/2015 Student loan Non-federal student loan Can't repay my loan Can't temporarily postpone payments I attended XXXX XXXX, XXXX, NV XXXX, and received a private student loan with payments to be made to XXXX XXXX, during and after completion of my studies. I subsequently learned that my payment obligations have been transferred to Campus Student Funding ( CSF ), as a result of DOE finding XXXX was engaging in bad practices. Furthermore, I came across information that private student loans were to be discounted, yet CSF is still seeking the full original loan amount. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Campus Student Funding, LLC NV 891XX Servicemember Consent provided Web 08/11/2015 Closed with explanation No No 1500299
259149 08/03/2015 Debt collection Federal student loan Cont'd attempts collect debt not owed Debt was paid My Student loan was permanently discharged, on XXXX XXXX, XXXX with a 3 year moniterng program, I have complied with all the requirements as stated in the letters from the service loan company XXXX. The last report for income was sent to them on XXXX XXXX XXXX, that would have been the last of the monitoring time. I have also received a XXXX form for the IRS. I am permanently XXXX, and have been since XXXX XXXX. Up until that time I paid the loan and was current and up to date. I now have received 2 collection notices from Windham Professionals stating that I owe the XXXX these loans, I have spoken to the head of collections at Windham, she suggested a 3 way conversation in which I agreed to after I spoke the Total and Permanent XXXX servicing unit. I was told by the servicing unit the loan was discharged on XXXX/XXXX/XXXX. And that I should NOT have gotten a Collection notice from Windham. According to the 3 way conversation Windham was going to e-mail a form to XXXX stating that the loan was permanently discharged this was my understanding. As of today 's date nothing has been solved it has gotten worst. Windham has sent me another demand for payment, and in speaking to XXXX they said that they filed to have the paperwork returned to them for discharge, from the XXXX XXXX said that they have not gotten the demand for the return. XXXX said that they can not send for the demand again for 150 days, this is absolutely in my opinion a scam from the pages of a book called " Nightmare in XXXX '' one agency is trying to say the other agency is at fault and the loan servicing company XXXX is trying to blame the consumer with neglect, when in fact I have all my paperwork to them. Also my credit report is in a shambles because of their neglect in not handling this matter correctly. I would like to know if there is anything else that I can do or say, in allowing this to take place. \n Company chooses not to provide a public response Windham Professionals NJ 080XX Older American, Servicemember Consent provided Web 08/03/2015 Closed with non-monetary relief Yes No 1498569
259234 07/09/2015 Debt collection Other (i.e. phone, health club, etc.) Taking/threatening an illegal action Sued w/o proper notification of suit Received notice to collect debt, call collection services and explaned that I was retired and XXXX had fixed income and offered to pay what I could afford, which was {$10.00} a month, and told that of the {$1100.00} a month I recieve I owe {$1000.00} a month in bills, Ihave {$100.00} a month to live on I thought that resonable, they said yes I asked for letter in writing and I would start paying, they said no just start paying I said without letter or Email I would not. I repeated this offer XXXX more time to different reps. Then was put on my credit reports. \n Company believes the complaint is the result of a misunderstanding CCS Financial Services, Inc. FL 244XX Older American, Servicemember Consent provided Web 07/17/2015 Closed with explanation Yes No 1459606
259264 07/27/2015 Debt collection Medical Communication tactics Frequent or repeated calls Between the first and last weeks of XXXX, Medical Revenue Service, XXXX XXXX, XXXX, Florida XXXX called my work phone ( XXXX ) from XXXX approximately XXXX times. The specific dates I have noted for this XXXX # are XX/XX/XXXX at XXXX XX/XX/XXXX at XXXX., XXXX XXXX at XXXX and XXXX XXXX at XXXX. However, I deleted the first XXXX or XXXX instances without making a record. In addition I received calls from XXXX also associated with Medical Revenue Service at my work phone on XX/XX/XXXX at XXXX. and XX/XX/XXXX at XXXX. \n\nIn no case did Medical Revenue Service identify their business name, nor the purpose of the calls. I did not actually receive any of the calls because they were either made after business hours or I was not actually in my office to receive calls ( I took off most of XXXX on leave ). \n\nI have only figured out that these calls came from Medical Revenue Service because on XX/XX/XXXX I received a bill from them dated XX/XX/XXXX. The bill was originally for a date of service at XXXX XXXX Hospital from XX/XX/XXXX. I have called XXXX Hospital Billing, paid the bill, received a confirmation number from XXXX, and XXXX has informed me that they will notify Medical Revenue Service. I have separately filed a complaint against XXXX for never sending me an original bill back in XX/XX/XXXX. I had no idea that monies were owed until I received the collection letter. \n\nHowever, I want to file a complaint that Medical Revenue Service did not contact me appropriately. It is my understanding that collection agencies are not supposed to call places of employment. My message on my office phone clearly identifies the phone as a workplace phone. \n Company chooses not to provide a public response Medical Data Systems, Inc. VA 231XX Older American Consent provided Web 07/27/2015 Closed with explanation Yes No 1489115
259286 08/13/2015 Debt collection Medical Communication tactics Called after sent written cease of comm I sent a cease and desist letter to a medical debt collection agency for bills for my recently deceased husband which I ca n't afford to pay. A certified mail receipt payment was made and I never got a receipt back. Now I get 2 robo collection calls a day 4 days out of the week. I want the calls to stop. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company JP Recovery Services, Inc. OH 440XX Servicemember Consent provided Web 08/25/2015 Closed Yes Yes 1518155
259333 07/09/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid Berlin-Wheeler, Inc-MO is apparently a collection agency. They are reporting a {$50.00} collection from my primary care physician XXXX XXXX XXXX. My doctor requires all co-payments be made at the time of visit as this {$50.00} was paid. I 've returned to my physician many times since then and they have never inquired or requested {$50.00} as stated. The contact information from Berlin-Wheeler is XXXX. XXXX XXXX in XXXX XXXX, MO XXXX. XXXX : XXXX and use account # XXXX. Also use Address ID # XXXX \n Company believes the complaint is the result of a misunderstanding WAKEFIELD & ASSOCIATES, INC. MO 657XX Older American, Servicemember Consent provided Web 07/09/2015 Closed with explanation Yes No 1459404
259336 08/13/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Frequent or repeated calls Representatives from " Alpha Recovery Corp '', which is a debt collection agency, call me multiple times every day. I do owe a debt, however they are not following the terms that they have previously agreed upon, as they have not sent me all of the information regarding my debt. They claim to have a XXXX page packet from the apartment company who gave my information to Alpha Recovery, however, I still have not seen it, several weeks after first hearing about this debt. \nI have been hung up on mid-conversation, badgered about how safe this arrangement is, told that I should not get legal advice, and been told that my tone was unnacceptable when I simply asked for more information than what had been provided. I was willing to pay the amount required, they agreed date of, payment has come and gone, and still no paperwork from them. They also refused to conduct any of this business by email, stating " we ca n't do that '' I then received an email from them with a single page of information as an attachment. So they have mislead me, lied to me, and been very rude throughout all conversations. \n Company chooses not to provide a public response Alpha Recovery Corp MD 217XX Servicemember Consent provided Web 08/13/2015 Closed with explanation Yes No 1518173
259809 08/14/2015 Debt collection Credit card Communication tactics Frequent or repeated calls On XXXX XXXX at XXXX XXXX. I received a phone call from XXXX, which is one of the phone numbers that Well Fargo National Bank uses to call me about a debt. I answered the phone and said " Hello ''. The girl on the other end said " Hello? '' I said Hello, thinking maybe she could not hear me. Then she said, " Hello?, Hello?, Hello? '' and hung up the phone. \n\nThe collectors from Wells Fargo call me every day, until I answer the phone, for that week. Then the next week, the cycle starts, again. \n\nI am working with a Credit Counseling Service to resolve my debt issues. Wells Fargo National Bank refuses the offers made to them by the Credit Counseling Service. Yet, they still accept the money that the Service sends to them, and they still call me every week to ask the same old questions - Can we do a check by mail to bring the account current? How did you get in this situation? \n\nWhen I respond that they are getting money thru the Credit Counselors, they respond that they have refused the offer. I remind them that they are accepting the money and tell them that that is the best that I can do. \n\nWells Fargo sends me Settlement Letters stating that they are willing to settle for 60 % of the balance. But, at the end of the letter, they state that they will turn the information over to the IRS and that I may be liable for additional taxes. \n\nI am tired of the endless phone calls, the letters, their refusal to work with the Counseling Service. \n Company chooses not to provide a public response Wells Fargo & Company IL 627XX Older American, Servicemember Consent provided Web 08/14/2015 Closed with non-monetary relief Yes No 1518847
259915 08/14/2015 Debt collection Auto Disclosure verification of debt Right to dispute notice not received I told them that this is not my debt, must be some mistake, I had to appear in court but did not get a chance to speak to the judge, was told to wait that some one would call me, I tried to explain but she did not want to hear any thing I had to say she gave me another court date. \n Company chooses not to provide a public response Mendelson Law Firm TN 372XX Older American Consent provided Web 08/14/2015 Closed with non-monetary relief Yes No 1518874
259987 08/14/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine This was XXXX that was ordered by the Doctor. XXXX refused the test for XXXX. It had been ruled no longer covered by XXXX. XXXX said I was not responsible since it was a new ruling and that the Doctor and I were not aware it was no longer covered. My supplemental insurance did not pay since XXXX did not. The test for XXXX was a small portion of the testing and of the bill that was paid. The test for XXXX XXXX was ordered because of XXXX \n Company believes it acted appropriately as authorized by contract or law Retrieval-Masters Creditors Bureau, Inc. MS 386XX Older American Consent provided Web 08/14/2015 Closed with explanation Yes No 1518891
260028 08/07/2015 Debt collection Credit card Taking/threatening an illegal action Threatened to sue on too old debt Signature load from back in XXXX -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX got behind XX/XX/XXXX / XX/XX/XXXX attempted to work out arrangement w/ XXXX - would not work with me in any form while continuing to add penalties/ Fees and Interest on top of the accountXXXX XXXX stopped communicating w/ me for several months then I was contacted by Debt Collection Firm out of XXXX, XXXX ( XXXX & XXXX ) for payment arrangements - which I did as required made payments to them for this account and did so for three years - requested a balance on the account was told that it was paid - but no written documentation was ever sent as requested - collection reps would not give me their name whenever I called back to inquire. \nIn XXXX XXXX a Law firm out XXXX through their regional office in XXXX started sending me collection notices on the same account in an amount of approx. half of the original starting point with XXXX -- responded to them XX/XX/XXXX that this was incorrect and the account was paid in full as directed. Started receiving the same notices again this year this spring - they filed suit again me XX/XX/XXXX and the paperwork was served to my husband on XX/XX/XXXXXXXX has posted this account situation with the credit reporting firms on my husbands record as a " joint '' account for the past XXXX years -- he has made several attempts to get XXXX to either validate this information or remove it - their reply is always " correct as reported " Need some help believe I have been a victim or predatory lending/ and collection practices and my husband credit damaged for a very long time in violation of the Fair Credit Reporting ActPlease advise \n Company chooses not to provide a public response Rausch, Sturm, Israel, Enerson & Hornik, LLC OK 741XX Servicemember Consent provided Web 08/07/2015 Closed with explanation Yes No 1508723
260037 08/14/2015 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Talked to a third party about my debt The Debt collector Caine and Weiner contacted an emergency contact to get in contact with me. I do not feel that this was professional. The original debtor should have gave them all of the pertinent information to try and solve this issue. \n Company believes it acted appropriately as authorized by contract or law Caine & Weiner Co. Inc. OK 730XX Servicemember Consent provided Web 08/14/2015 Closed with explanation Yes No 1518904
260039 08/07/2015 Debt collection Credit card Taking/threatening an illegal action Threatened to sue on too old debt Signature load from back in XXXX -- Bank of America/ FIA Card Services XXXX got behind in XXXX / XXXX attempted to work out arrangement w/ BofA - would not work with me in any form while continuing to add penalties/ Fees and Interest on top of the accountBof A stopped communicating w/ me for several months then I was contacted by Debt Collection Firm out of XXXX ( XXXX & XXXX XXXX for payment arrangements - which I did as required made payments to them for this account and did so for three years - requested a balance on the account was told that it was paid - but no written documentation was ever sent as requested - collection reps would not give me their name whenever I called back to inquire. \nIn XXXX XXXX a Law firm out XXXX through their regional office in XXXX started sending me collection notices on the same account in an amount of approx. half of the original starting point with Bof A -- responded to them in the samemonth of XXXX that this was incorrect and the account was paid in full as directed. Started receiving the same notices again this year XXXX - they filed suit again me in XX/XX/XXXX and the paperwork was served to my husband on XX/XX/XXXXBof A has posted this account situation with the credit reporting firms on my husbands record as a " joint '' account for the past 5 1/2 years -- he has made several attempts to get Bof A to either validate this information or remove it - their reply is always " correct as reported " Need some help believe I have been a victim or predatory lending/ and collection practices and my husband credit damaged for a very long time in violation of the Fair Credit Reporting ActPlease advise \n Company chooses not to provide a public response Bank of America OK 741XX Servicemember Consent provided Web 08/07/2015 Closed with explanation Yes No 1508724
260138 07/21/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I have received XXXX voicemails from " Americollect, '' phone # XXXX, claiming they are trying to collect a debt from me, but giving no info. I responded using this email address, but gave no personal info, and asked what debt and for whom? I received an email response which gave no answers but appears to be a fishing expedition. \n\nI do n't know of any outstanding debt. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company AmeriCollect WI 531XX Older American Consent provided Web 07/21/2015 Closed with explanation Yes No 1479438
260325 07/09/2015 Debt collection Payday loan Communication tactics Frequent or repeated calls This company named ATG Credit has been calling me, they also put some information on my credit report. The person i spoke to yesterday was very rude, and she asked me why was i calling this company. She said the company had been calling me since XXXX. so i knew the reason. I asked her why did the company put some information my credit report before they knew if they had the right person. I asked her to send me some information on this bill, because i have no information, and i do not know anything about this company. She said she was going to put down that i refused to make any payment, and hung up. I called back and spoke to some else to complain, asked them to send me a copy of the bill. \n Company believes it acted appropriately as authorized by contract or law ATG Credit, LLC CA 900XX Older American Consent provided Web 07/16/2015 Closed with explanation Yes No 1459999
260378 07/21/2015 Debt collection I do not know Improper contact or sharing of info Talked to a third party about my debt VM was left on my friends phone by XXXX XXXX from Coastal Financial Solutions - called a reference of mine from something I supposedly did - and told them basically if they could not get in contact with me they would begin the legal process against me in court in the county I live - stated county.. left a case number to reference - XXXX - and XXXX numbers - XXXX ext XXXX and then a direct line - XXXX - this call was on the XXXX or XXXX of XXXX. \n Company disputes the facts presented in the complaint Coastal Financial Solutions, LLC AZ 852XX Servicemember Consent provided Web 07/21/2015 Closed with explanation Yes No 1476658
260463 08/03/2015 Debt collection Auto Taking/threatening an illegal action Sued w/o proper notification of suit I was sued for an old debt that was acquired by XXXX XXXX XXXX out of XXXX Colorado. The debt collector did n't properly notify me of the debt. According to the court records, this company was already planning a lawsuit for this debt. This collector acquired this debt in XXXX of 2012 and by XXXX of that same year had already filed papers to sue me. According to the court records, I was served with papers on this debt and in XXXX, a judgement was filed against me. To my surprise this judgement was entered on a debt that was for {$9000.00} that has now swelled to about {$23000.00}. If the company had reached out prior to all of these actions validating this debt we could have reached an agreement and I would n't have a {$23000.00} judgement on my credit report. \n Company disputes the facts presented in the complaint Zarzaur and Schwartz, PC AL 361XX Servicemember Consent provided Web 08/03/2015 Closed with explanation Yes No 1499509
260531 07/27/2015 Debt collection Credit card Communication tactics Threatened to take legal action I received a call from a person who did not identify them self or the company they worked for and informed me, that I owed XXXX XXXX money for a credit card. I informed the person on the line that, I have never had a XXXX credit card and that- if I was to pay the card she must provide me with some proof that I owed that money. I was informed that I opened the card in XX/XX/XXXX and must make arrangements to pay or I would be taken to court for the payment. I responded, " I have never had an XXXX credit card. I do not know who you are and what company you are calling from. If you want to get any money from me send something in writing or take me to court. Because, I know I have never had a XXXX credit card. '' I had not heard nor received any thing from this person who did not identify herself or the company she was representing until. I was served with a court summon that I was being sued by XXXX as Bank of assignee of Bank of America Card Services, NA./FIA Card Services , N.A XXXX problem I have with this is : 1 ) the person who initially called me misrepresented herself and the company in which the debt was owed. 2 XXXX XX/XX/XXXX, Bank of American wrote off this bill. Thus leaving a balance of XXXX owed. 3 ) The original bill of sale was from Bank of America to FIA card Services, N.A 4 ) The XXXX bill of sale was to XXXX. 5 ) XXXX has no documents with my signature proving that this is a valid bill that belongs to me in the court documents filed. They purchased the loan XX/XX/XXXX. Why has it taken 3 years to contact me regarding a bill that they say I owe. I have received no correspondence from this agency regarding this bill. I have had the same phone number for the last 4 years. 6 ) This bill was sold and purchased in Delaware, I am not sure if they are legally able to operate in the state of Georgia. \n Company chooses not to provide a public response Bank of America GA 398XX Servicemember Consent provided Web 07/27/2015 Closed with explanation Yes No 1488999
260553 07/27/2015 Debt collection Medical Disclosure verification of debt Right to dispute notice not received I was not supposed to billed for any of these medical debts. I am a veteran was never supposed to be billed for any of these medical bills ( there are XXXX from this company, another from another company ). The following copied from the department of veterans affairs website " XX/XX/XXXX, the U.S. Congress provided VA with authorization ( called the Mill Bill ) to pay for emergency care in non-VA facilities for veterans enrolled in the VA health care system. The benefit will pay for emergency care rendered for non-service-connected conditions for enrolled veterans who have no other source of payment for the care. However, VA will only pay to the point of medical stability. There are very strict guidelines concerning these types of claims. Veterans and their non-VA providers should be aware that these claims must be filed with the VA within XXXX days from the last day of the emergent care. " Civilian hospitals are required to notify the nearest VA hospital of an incoming veteran patient within XXXX hours from the time of visit so the VA can either make arrangements for the patient to be transported to the VA facility or to be notified that the veteran can not be transported and they can submit the billing to the VA facility. \nEach time I was taken to the emergency room whether from friend taking me or the ambulance, I told the medical person with me I was a veteran, some instances I was able to walk to the desk and check in, one time I was transported via ambulance, but that time I told the guy in the truck I am a veteran and even had on a wrist band from the VA hospital I was just leaving from ( I was in a car accident on my way home after a follow-up appt from the VA hospital in XXXX after having a XXXX and was nearly home when the car I was in was struck by a speeding vehicle, I never made it home instead I was taken to the nearest hospital in ambulance. \nSo, about the bills, I never received any actual bills, instead close to a year after the car accident I received a call from a collection company and asked what bill, they gave me several bills I had in collections, I was not aware of any of them because I always thought the VA was billed initially. I explained to the collection company that I was not supposed to have been billed and they offered me to give the Department of Veterans Affairs info to pay the bills, when I called the VA they told me the bills had to have been submitted within XXXX days. I told the collection company that and they told me that I would have to pay then. They could not care less that I was not supposed to be billed. It has been years that I have been back and fourth with the hospital, collection company, other people the hospital tells me to contact. Nobody will man up and remove the bills from my credit. Instead every person I talk to, simply wants me to pay for someone else 's mistake. The staff I have spoken to are pretty rude for the most part as well, especially at the hospital. \nPlease help me to find the responsible party, have them remove this, so I can get on with my life and my family. \nThe billing dept from the hospital told me they did contact me via mail and provided a few date but they were not able to verify that I received their bills. They never made a phone call, the only people that contacted me was the collection company XX/XX/XXXX roughly. I called them several times since then but they have never contacted me, nor have the asked me to update my contact information when I call in, even after asking them what address and phone number they have on file. \n Company believes it acted appropriately as authorized by contract or law HCFS Health Care Financial Services, Inc. FL 331XX Servicemember Consent provided Web 08/10/2015 Closed with explanation Yes No 1489002
260644 08/03/2015 Debt collection Medical Disclosure verification of debt Right to dispute notice not received I viewed my XXXX credit report in XXXX 2015. I notieced a collection account that was added by Commonwealth Financial XXXX XXXX XXXX XXXX, XXXX XXXX, PA XXXX ) in XXXX 2015. I never received any letter or phone call regarding this alleged account. Since I found this on my credit report - I contacted, via certified mail, the collection agency and still have not heard anything from them. This collection agency is not complying with the dunning notice requirement. \n Company believes it acted appropriately as authorized by contract or law Commonwealth Financial Systems, Inc. TX 750XX Servicemember Consent provided Web 08/03/2015 Closed with explanation Yes No 1499579
260654 07/09/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Called after sent written cease of comm They called, I told them what I could financially do but, they would not accept that and then I wrote to them. I told them I am XXXX and I make little money and I 'm XXXX. They wanted a c/c number but, I do n't have one and I told them I would not give them my debit card for payments as the would take it all and leave me with no food. They call XXXX to XXXX times a day. My voice mail identifies my number as a Do Not Call Number with a warning of being reported. They do not leave a message. I have been ill in the hospital and they continue to ring my phone off the hook. I do owe XXXX and I laid out what I was prepared to do and yet they continue to call. I have sent them XXXX already but, since I 've been ill in hospital with having to take a taxi back and forth to the Dr I do n't have the cash right now and will make another payment via USPS ( post office ) and I will make another and so on until the debt is satisfied. Just stop them from bothering me. \n Company believes it acted appropriately as authorized by contract or law The CMI Group, Inc. DC 200XX Older American, Servicemember Consent provided Web 07/15/2015 Closed with non-monetary relief Yes No 1460120
260659 08/20/2015 Debt collection Credit card Communication tactics Frequent or repeated calls For the past several years I have received notices from this company regarding a debt that is no longer valid. The statute of limitations has run out on this debt. The last time I used this card was over 6-7 years ago, and the tast payment made was over 5 years ago. Last night a woman, collection rep. called me at XXXX. I told her that the statute of limitations had run out on this debt,. She said I was still obligated to pay. That is false. I also told her to cease and desist. \n Company chooses not to provide a public response Bank of America CA 949XX Older American Consent provided Web 08/20/2015 Closed with explanation Yes No 1527730
260707 07/09/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount This agency is attempting to collect a debt that is fraudulent from XXXX that i have ocular proof of fraud and have filed a complaint with the FTC on this fraudulent activity on XXXX and a previous debt collector and now XXXX has sold the debt as if it is valid and not corrected the fraudulent charges which were specifically prohibited by the signed contract XXXX XXXX 2009. This new agency has reported this issue as a new and valid debt and I have no contract with this agency. I have not been notified of any debt by this agency and I do not have any business with this company and refuse to do business with anyone who presents fraudulent charges as true. I never contracted with this company and have no business with them and do not intend to do business with any company that partakes in fraud by passing debt that has been proven to be fraudulent XXXX was the original creditor but they were advised and shown the fraudulent and false activity. \n Company believes it acted appropriately as authorized by contract or law ERC CA 908XX Servicemember Consent provided Web 07/15/2015 Closed with non-monetary relief Yes No 1460134
260719 07/28/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Threatened to take legal action I attempted to resolved this debt with this company and they wanted the whole amount which I could not afford at the time. The lady that spoke to me was very rude and told me that if I did n't settled this right away with her that she would not accept any other offer. I since called back on XX/XX/XXXX and I was told by XXXX at XXXX XXXX that I had to pay {$900.00} today in order for them to accept my payments for six months. When I left my apartment in XX/XX/XXXX I was being harassed by neighbors and also given a written notice to vacate the premises because my rent was 2 weeks late. i left the apartment before being served and now they are coming after me with the collection agency that is charging me interest every month. I need to be able to pay them and also maintain my current bills. The Collection company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX i owed he apartment complex were I previously lived {$3800.00} now my bill is {$4500.00}. and climbing. Please five me some advise. Thank you \n Company believes it acted appropriately as authorized by contract or law I.Q. Data International, Inc. CT 065XX Servicemember Consent provided Web 07/28/2015 Closed with explanation Yes No 1489685
261089 07/28/2015 Debt collection I do not know False statements or representation Attempted to collect wrong amount I received numerous letters and phone calls from this collection agency over the course of years. I did not recognize the debt however in order to rid myself of the problem, when I received a letter that was an offer of settlement for an amount that I could afford, I sent in the payment. I 've since learned that this debt is barred by the Statute of Limitations and not even on my credit any longer! Instead of receiving a letter acknowledging the debt payoff, I received another bill for the balance! I wrote on the back of the check and on the return stub ( see attached ) that it was an accord and satisfaction. I hope this will stop them from trying to revive the debt. Outrageous! \n Company chooses not to provide a public response Allied Interstate LLC CA 926XX Servicemember Consent provided Web 07/28/2015 Closed with non-monetary relief Yes No 1489769
261226 08/20/2015 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Talked to a third party about my debt This company is trying to collect a debt that is a court case in XXXX Idaho Superior Court. The Case is " SEALED " and no party is allowed to make public anything involved in the case. The debt is subject to further litigation for fraud against the person ( s ) involved in the case. This company is prematurely report and trying to collect inaccurate and fraudulent information. I have sent them many forms of proof via mail to include XXXX pages and pics. However, I was informed by Legal Counsel not to do this because the case is sealed and that if they do not stop reporting this information or parts and various parts to the public I was to file a complaint against them and or sue them. \n Company believes it acted appropriately as authorized by contract or law National Credit Systems,Inc. ID 837XX Servicemember Consent provided Web 08/30/2015 Closed with explanation Yes No 1529458
261292 07/16/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received Jefferson Capital SystemsTo Register a Complaint : Mailing address : XXXX XXXX XXXX, XXXX. XXXX , XXXX MN XXXXPhone Number : XXXX ( toll free ) Email : XXXXXXXXXXXX XXXX, 2015Re : Request for Investigation/ Debt Validation Request Re : XXXX XXXX Original Creditor : XXXX XXXX Account Number : XXXX : Chief Compliance Officer : XXXX XXXX XXXXThis is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from your agency on my credit report. XXXX Report Number : XXXX Dated : XXXX XXXX 2015. First and far most, I must advise you that, this same account was disputed numerous times, and never validated by the original creditor. ( XXXX XXXX ) Also enclosed for your review is correspondence, I received from XXXX XXXX, regarding this account. Dated : XXXX XXXX 2015. \n\nSince you now have acquired this inaccurate disputed account. I have never been notified by Jefferson Capital System of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. \n\n\nUnder the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt. \n\nI hope you are aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land your company in serious legal trouble with the Federal Trade Commission ( FTC ) and other state/federal agencies. \nPlease attach copies of the following documents:1. Please provide payment history. \n2. Copies of Disputed Inaccurate Billing Statements - XXXX XXXX. Agreement with your client that authorizes you to collect on this alleged debt. \n4. Agreement that bears signature of the alleged debtor where he promises to pay the original creditor. \n5. Complete payment history on this account, to prove that the amount you wish to collect is accurate. \nBe advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. The Fair Credit Reporting Act ( FCRA ) is a federal law that details how consumer credit information can be collected, given out, and used. Under the FCRA, consumers have a right to view information in their credit file and dispute inaccurate information. TheFederal Trade Commission, FTC, publishes the full text of the FCRA. \nThis is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay JEFFERSON CAPITAL SYSTEMS. \n Company believes it acted appropriately as authorized by contract or law CL Holdings, LLC GA 314XX Older American Consent provided Web 07/16/2015 Closed with non-monetary relief Yes No 1471181
261388 08/08/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid On XXXX XXXX, 2015, we terminated our service with XXXX/XXXX and returned our equipment as directed. We were told we would receive our final bill shortly. On XXXX XXXX, we received our final bill from XXXX for {$51.00}, after the applied credit to our account of {$130.00}. The bill due date was XXXX XXXX, 2015. I immediately paid our bill on XXXX XXXX for the amount owed. On XXXX XXXX, 2015, I received a call from XXXX demanding payment of the {$51.00} plus fees totaling {$67.00}. I explained to XXXX we were NOT delinquent and had paid the bill on the date received. XXXX said we need to take it up with XXXX. We called XXXX and attempted for for over XXXX hours, most which was on hold to talk to someone who could straighten this out as my credit is now negatively affected. Customer service agents pulled up our account and said they did n't understand why we were referred to a collection agency. We never received an answer, we referred to several departments within XXXX including " Internal Collections '', none of who could answer why they referred our account to collections. \nThis illegal act by XXXX is outrageous and callous. We have been good customers, always paying our bill XXXX days ahead of the due date, now we have this attack on my good credit. \n Company believes it acted appropriately as authorized by contract or law Southwest Credit Systems, L.P. PA 195XX Older American, Servicemember Consent provided Web 08/08/2015 Closed Yes No 1509528
261488 07/28/2015 Debt collection Payday loan Taking/threatening an illegal action Threatened arrest/jail if do not pay I keep receiving calls from some " legal '' department stating that I owe {$4000.00} on a payday loan - that I can settle for {$900.00} and when I ask for some sort of documents - either email or mail, they turn up the threats - " process server will be at your house btwn XXXX-XXXX '' - you will go to jail you will be ruined. \nThey have my SSN, my address, my email, phone # BUT I do n't owe anything to anyone. \nWhen I tell them that I researched them online and found XXXX other complaints, I was called a nosy XXXX - I need to pay the {$.00} I hang up and then they call back. The voicemail is an automated VM message stating I have to go to a mandated check writing class, I have committed wire fraud and check fraud. \nI do n't owe them anything, but they call and harass me - so far in XX/XX/XXXX alone, XXXX times. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Solidus Group LLC. VA 223XX Servicemember Consent provided Web 08/07/2015 Closed No Yes 1489854
261676 08/03/2015 Debt collection Medical Communication tactics Threatened to take legal action I had a XXXX done because Dr thought there could be possibility of something serious ( XXXX ). Never was I informed that a XXXX was not covered by my insurance by anyone at Dr office. When my bill came ... a portion was not paid because XXXX do not cover XXXX. I spoke to my DR about filing an appeal then I got a call from a Collector who was verbally abusive, threatening & denied having anyone in authority I could speak to. His name was XXXX. I called Dr office and explained I would make $ XXXX/mo payments on XXXX each mo as I am on SS XXXX. She took payment and I asked her to call company and tell them I made payment arrangements with them. She did and the next bill reflected the payment made. I called the XXXX to make my pymt and she was not there ( this was today when I got my check ) and I left her a msg to call for pymt. After that I got my mail notifying me that they had turned me into credit bureau for lack of making pymt arrangments ( lie ) as the manager told me that because I made them with Dr and NOT THEM even though Dr office told them ... it was not good enough. I said well I will make my pymts and thru you BUT that has to be removed from my credit report as its a lie ... I had MADE PYMT arrangements and they had it on their records. \n Company believes it acted appropriately as authorized by contract or law Capital Accounts, LLC PA 152XX Older American Consent provided Web 08/10/2015 Closed with explanation Yes Yes 1500206
262032 07/22/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine This is just a crazy series of events. I am a XXXX and I feel I am a victim of a scam. A man, XXXX XXXX, of XXXX XXXX XXXX XXXX XXXX stopped by my home stating he wanted to put vinyl siding on my house to make it look better. I told him I could not afford it. He said he might be able to get it financed. Without further communication from XXXX XXXX, a man named XXXX XXXX XXXX XXXX, a contractor, showed up and started putting vinyl siding on my home. No agreement of any kind had been discussed with XXXX XXXX. Note : My home did n't need vinyl siding to protect it as it was covered with slate shingles that will be here forever. \nNext thing I know I receive a loan statement from Green Sky ( XXXX - XXXX ) of XXXX XXXX XXXX, XXXX. XXXX XXXX, XXXX, XXXX. XXXX. Green Sky 's " loan statement '' shows XXXX as the lender. The loan statement was for around {$9800.00} at 11.99 % interest for XXXX months creating a finance charge of {$4800.00}. I assume this was from XXXX XXXX and the vinyl but I had not asked for credit, filled out an application or signed a contract of any kind, signed or agreed to anything with XXXX XXXX, Green Sky, or XXXX Bank, so I do n't know if this is where this debt came from but assume it to be the case. Evidently XXXX XXXX was paid and is now out of the picture as calls to him resulting in him just stating that " he dealt with a lot of XXXX people '' and offered no help or explanation. \nMy issue is I never receive any kind of statement from XXXX XXXX as to the cost of vinyl siding or did I agree for him to put on the vinyl siding on my home. Also, I have never filled out any type of application for financial assistance from XXXX XXXX, Green Sky, or XXXX Bank. I would have never agreed to the amount or interest rate as shown from Green Sky or the amount showing as I am on a fixed income. As a XXXX I had my brother, XXXX, to call XXXX advised send letters to Green Sky stating due to FDCPA I do not owe this debt. They also said that Green Sky had many complaints from the Better Business Bureau. \nI have enclosed copies of these letters I have sent to Green Sky and XXXX Bank stating this debt is not mine and to show me where I applied or signed for this debt. They can not as I never agreed to any debt in this situation. Now XXXX Bank is showing up on my credit report causing my credit score to go down. My brother contacted XXXX Bank XXXX and they stated they had no affiliation with Green Sky and refused to give me their ( XXXX Bank XXXX address. Note : XXXX Bank is on Green Sky 's loan document and now XXXX Bank is on my credit report. I found the home address for XXXX Bank on line and sent them the letter enclosed as well. \nI would appreciate you looking into this matter and stopping this unfair practice I believe to be a scam and have Green SkyXXXX Bank remove this debt from my name and remove it off my credit report. \nThank you. \n Company disputes the facts presented in the complaint GreenSky Trade Credit, LLC GA 310XX Older American, Servicemember Consent provided Web 07/29/2015 Closed with explanation Yes Yes 1480941
262034 07/22/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received XXXX : First Federal Credit Control/and XXXX XXXX XXXX : XXXX XXXX XXXXTHIS notice is sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 XXXX b ) that your claim is disputed and validation is requested. \nUpon recent review of my credit report, FIRST FEDERAL CREDIT CONTROL- XXXX Credit Report : Account 1 ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account 2 ) # XXXX - XXXX. XXXX XXXX, XXXX OH XXXX Collection agencies are reporting that I owe the above creditor XXXX Car Rental a debt. I am in dispute of this unfair debt collection practice and inaccurate billing dispute. How could I possibly owe XXXX of these creditors for the same exact debt? XXXX Re : XXXX Car Rental ) As per this rental, this was an insurance claim, paid in full by my Insurance with : XXXX INSURANCE- PLEASE CHECK YOUR RECORDS CAREFULLY. \nUpon return of my rental the agent on duty never advised me or called me to discuss with me THAT I HAD A BALANCE/ OR gave me an opportunity to actually DISPUTE the issue. \n\nI am requesting that you investigate this illegal deceptive practice and verification of this questionable debt collection agency/or agencies. I NEVER RECEIVED ANY NOTIFICATION OF THIS DEBT or a description of what I owe this money for. Apparently this is a scam ; this appears to be the same exact companies. This is an illegal Unfair practices. Debt collectors should not be allowed to engage in unfair practices when they try to collect a debt. For example, in this case, they should not identify themselves as different companies, when they are actually the same. \nPlease investigate this matter. I do n't even know who these companies were until this account was turned over for collection. Could it be credit theft? I 'm not paying until I see an accurate billing statement. FUTHERMORE, " The FTC CLEARY points out, " Every collector must send CONSUMERS a written 'validation notice ' telling you how much money you owe within XXXX days after they first contact you. This notice also must include the name of the creditor to whom you owe the money, and how to proceed if you do n't think you owe the money. '' I never received any notice. Subsequently, The FCRA also protects consumers from the misreporting of information on your credit report. If a debt collector or credit bureau reports incorrect or inaccurate account information, it is violating the FCRA. Examples of violations include failing to report that a debt was discharged in bankruptcy and reaging old debt to extend the statute of limitations. In this case, it is definitely apparent that a collection agency or Credit bureaus can most definitely mix up similar credit files and misreport information. Therefore a consumer, should have the right to dispute any information he/she may feel is not possibly reported accurately. \n Company disputes the facts presented in the complaint First Federal Credit Control GA 314XX Older American Consent provided Web 07/28/2015 Closed with explanation Yes No 1480602
262068 08/08/2015 Debt collection Medical Communication tactics Threatened to take legal action A collection agency ( Escallate , LLC. ) is threatening me with a negative credit report. \nA notice was received today that I owe {$140.00} for medical services ( XXXX and XXXX XXXX ). \n\nThe bill for the services was never properly explained just sent out to me for payment. \n\nI have XXXX coverage and a supplemental policy through XXXX for the XXXX service. Payments were made by XXXX and XXXX and an unexplained remaining amount billed to me. \n\nI never received any explanation and have not paid the unexplained amount. \n\nPlease help me resolve this abusive practice. Thanks. \n Company chooses not to provide a public response Escallate, LLC NY 126XX Older American Consent provided Web 08/08/2015 Closed Yes Yes 1509699
262111 08/03/2015 Debt collection Medical Disclosure verification of debt Right to dispute notice not received My wife gave birth to our son in XXXX, 2014, which was a high risk procedure and led to significant expense. We received numerous medical bills and thought we had paid all of them. However, XXXX remained for original creditor, XXXX XXXX, MD, which went to collections in XXXX 2014. The original balance was {$600.00}. My wife was contacted by the debt collection agency, Allied Collection Services, in XXXX, and they advised her that, unless she went into their office within 2 days, they would be forced to take legal action against her. She was understandably upset, so she went into their office, infant in tow, where they convinced her to sign several forms, including setting up a payment plan. She setup the payment auto-debit, according to their terms as they discussed in the office, and they withdrew a couple payments. However, in or around XXXX 2014, Allied filed suit and obtained a judgment against her, claiming she had not honored the terms of the payment arrangement. Upon review of the payment documentation, they required an initial payment of {$50.00} and subsequent payments of {$25.00} per month. My wife was led to believe that she only needed to setup the auto-debit for {$25.00} per month so she " missed '' the first payment. Upon securing judgment against my wife, Allied Collection Services secured a wage garnishment order against me as well. Upon being advised by my employer of the wage garnishment, my wife contacted Allied Collection Services to attempt to resolve the matter, but they refused to offer any reasonable alternatives ( other than payment in full along with significant additional collection costs ). My wages were garnished until XXXX 2015, at significantly more than {$25.00} a month. At no time did Allied Collection Services ever attempt to contact me prior to, during, or after garnishing my wages, which seemed like a fairly straightforward and simple thing to do. Nevertheless, I did not believe I had any option and allowed the garnishment to proceed. Upon completion, they secured enough money to nearly double the original debt. Further, although Allied had never made any contact with me, or attempted to do so that I am aware, they placed a derogatory tradeline in my credit file, the only such derogatory information in my credit report, and significantly impacting my credit for the next 7 years. I feel it is unconscionable that they were allowed to do as much as they did without first attempting to contact me. It was unconscionable that they created such a false sense of urgency for my wife when they knew full well that they could arrange a payment plan with her over the phone. It was unconscionable that they were so aggressive, so quickly after receiving the collection account, and that they said XXXX thing about the payment plan requirements but embedded different information in the fine print of the documents they pressured my wife to sign. And it is preposterous that I was forced to pay nearly double the original debt, which had not even been with them for 1 month at the time they secured judgment. \n Company chooses not to provide a public response Allied Collection Services, Inc. (Nevada) NV 891XX Servicemember Consent provided Web 08/03/2015 Closed with explanation Yes No 1500006
262185 08/20/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt resulted from identity theft XXXX collection was removed after I sent Their collection dept ; XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, ACCOUNT NO. ; XXXX {$1900.00} police report & District Court of XXXX for XXXX XXXX XXXX case # : XXXX XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX XXXX SENT NOTARIZED LETTER SIGNED BY XXXX XXXX XXXX ( XXXX ) XXXX RESIDED AT XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nCOMMITTED FRAUD USED MY INFORMATION AND OBTAINED XXXX PHONES FROM XXXX WHICH CREATED THIS COLLECTION ON MY CREDIT REPORTS. IT WAS REMOVED AND NOW IS BACK ON. I believe XXXX HAS IT OUT FOR ME. WHY ELSE WOULD THEY KEEP TRYING TO RUIN MY CREDIT. WHEN I FIRST CONTACTED THEM AND ASKED FOR THEIR HELP. THEIR COLLECTION AGENT TOLD ME " I SUGGEST YOU KEEP THESE ACCOUNTS OPEN TO AVOID EARLY TERMINATION FEES ''. I TOLD THEM ARE YOU SERIOUS YOU WANT ME TO PAY ON THESES FRAUDULENT ACCOUNTS UNTIL THEIR CONTRACT EXPIRES. THEIR ANSWER WAS " YES '. THIS IS VERY UPSETTING SINCE I AM IN A HOME BUYERS PROGRAM " XXXX ''. THIS RE POSTING OF THE FRAUDULENT COLLECTION IS PREVENTING ME FROM GETTING A HOUSE. FOR MY GRANDDAUGHTERS AND I, A DREAM I HAVE HAD FOR A LONG TIME for ME AND MY GRANDDAUGHTERS. I NOW HAVE CUSTODY OF AND WE ARE LIVING IN A XXXX BEDROOM APARTMENT BECAUSE OF THIS AS WELL. IF YOU CAN HELP ME GET THIS PERMANENTLY REMOVED FROM MY CREDIT REPORTS ONCE AGAIN I WILL BE ABLE TO PARTICIPATE IN THE " XXXX '' AND FINALLY GET MY GIRLS A DECENT HOME. ALSO I HAD STUDENT LOANS THAT WERE EXPUNGED AND SHOULD SHOW THEY WERE SATISFIED AND PAID ON TIME.. PLEASE HELP ME AND MY GIRLS XXXX WILL BLESS YOU I AM SUREXXXX XXXX XXXXXXXXXXXX ON XXXX/XXXX/2015 I CALLED XXXX TO APPEAL TO THEM FOR HELP AND TO ASK WHY THEY POSTED THE COLLECTION BACK ON MY REPORTS THEIR ANSWER WAS. " THE DEBT IS STILL OUTSTANDING AND THERE IS NOTHING WE CAN DO FOR YOU ". THEY OBVIOUSLY DO N'T CARE ABOUT ANYONE. ALL THEY WANT IS MONEY. IN MY OPINION THEY KNOW I AM TRYING TO GET A HOUSE AND THEY THINK I WILL PAY THE COLLECTION JUST TO GET RID OF IT. IT WILL BE A COLD DAY IN XXXX BEFORE I DO THAT. \n Company believes it acted appropriately as authorized by contract or law ERC MD 210XX Older American Consent provided Web 08/20/2015 Closed with non-monetary relief Yes No 1527762
262247 08/08/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt Re : Request for Investigation " Cramming '' & " Slamming '' - Unauthorized Charges Creditor : Enhanced Recovery/XXXX XXXX, XXXX - ( See Enclosed ) To Whom It May Concern : - Enhanced Recovery Company, LLCI am sending this letter to you in response to ( See attached ) notice I received from Enhanced Recovery Company , LLC on XXXX XXXX ( date of letter ). \nBe advised, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ) that your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. I respectfully request that your office provide me with competent evidence that I have any legal obligation to pay you. This is a Re-Aged Account. \n\nCollection Agencies and Credit bureaus, SHOULD NOT BE ALLOWED TO reinsert a removed items from consumer 's credit reports without notifying a consumer. THIS UNETHICAL PRACTICE SHOULD BE INVESTIGATED. It is obvious, " Creditors, collection agencies, or credit bureaus, if they make attempts to report " Re-Age '' to a consumer 's report or account by updating the date of last activity on a consumer 's credit report in the hopes of keeping negative information on a consumers account longer. '' This is unacceptable deceptive practice. \n\nI AM IN DISPUTE OF THIS INACCURATE ACCOUNT. The practice of including unauthorized, misleading, or deceptive charges on this XXXX ( Account Number XXXX ) Billing Summary is called " cramming. '' Your investigation will determine '' Third-party charges may appear on XXXX XXXX telephone bill as a " service fee, '' " service charge, '' " monthly fee, '' " other fees, '' " voice mail, '' " mail server, '' or " membership. '' Companies that cram charges and fees onto telephone and credit card bills can make substantial profits from this practice because many consumers either do not closely review their bills or do not know who to contact to dispute the charges. \nNumerous unauthorized charges appeared on this billing summary ( XXXX ) Without any explanation ; From a company with a fake business nameFOR YOUR REVIEW A BILLING SUMMARY OF THIRD PARTY CHARGES AND CREDITSThis Refund Program was for current and former XXXX customers who may have incurred unauthorized charges for third-party Premium SMS ( Text Message ) services. The deadline to submit a claim to the XXXX XXXX Refund Program was XXXX XXXX, 2015. The program has now closed. If you submitted a claim online before the XXXX XXXX, 2015 deadline you can review the status of your claim with your registration number and password. If you submitted a claim form before the XXXX XXXX, 2015 deadline by mail or email you can contact the Refund Administrator. \nTherefore, please provide me with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe for unauthorized third-party billing disputed charges on this Re-aged disputed account. \nProvide a verification or copy of any judgment if applicable ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; andProvide me with your license numbers and Registered Agent. \n\nIf your offices have reported invalidated information to any of the XXXX major Credit Bureau 's ( XXXX, XXXX or XXXX ), said action might constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent I will not hesitate in bringing legal action against you for the following : Violation of the Fair Credit Report \n Company believes it acted appropriately as authorized by contract or law ERC GA 314XX Older American Consent provided Web 08/10/2015 Closed with non-monetary relief Yes No 1509895
262321 08/09/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I moved to XXXX, XXXX in XXXX 2011, and established a phone number at that time. I initially received many debt collection calls, but now continue to receive daily robocalls for another person, from XXXX ( XXXX ). The phone numbers they use include ( XXXX ) XXXX, ( XXXX ) XXXX. I have attempted to block their number only to find myself daily robocalled by this same number. \n\nI have no debts in collection and have never had a business relationship with XXXX. Their robocall provides no mechanism to inform them that they are calling the wrong numbers. \n Company chooses not to provide a public response Radius Global Solutions LLC HI 967XX Servicemember Consent provided Web 08/09/2015 Closed with explanation Yes No 1509903
262331 08/03/2015 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Talked to a third party about my debt Representative named XXXX called my cell phone without authorization failed properly identify right party and herself or company. The representative XXXX called my cell phone number without authorization on a predictive dialer and I incurred charges as a result. This is a violation of the FDCPA. In addition the rep failed to properly identify her self or the company or the right party. When I asked for her to provide the company name and her name she became very rude and unprofessional and terminated the call in the middle of the conversation. When I called back I asked to speak to supervisor whom was also reluctant to provide company name and his name, then he concluded by removing my phone number and ensured there would be no more calls. \n Company believes the complaint is the result of a misunderstanding Source Receivables Management LLC IL 606XX Servicemember Consent provided Web 08/03/2015 Closed with non-monetary relief Yes No 1500068
262474 07/09/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine This number XXXX calls several times a day, tell me the call is being recorded and that I owe money for a parking ticket. I tell them I do n't owe anything and will not pay and to stop calling. \n Company chooses not to provide a public response Allied Interstate LLC NY 127XX Older American, Servicemember Consent provided Web 07/10/2015 Closed with non-monetary relief Yes No 1460734
262584 08/14/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Called outside of 8am-9pm Enhaned Recovery called my house repeatedly outside the hours of XXXX. Additionally, although credit collection agencies have the ability to remove collections accounts from credit reports, they refused to removed our very small, PAID debt of {$120.00} ( accidentally overlooked as we moved ) and claimed that the FTC requires them to accurately report the account ( which they did, it is marked as paid ) however they outright refuse to remove this tiny colelctions debt from our credit report and they refuse to let me speak to anyone other than their " Operations Manager. '' \n Company believes it acted appropriately as authorized by contract or law ERC VT 051XX Servicemember Consent provided Web 08/14/2015 Closed with non-monetary relief Yes Yes 1519617
262743 08/20/2015 Debt collection Payday loan Improper contact or sharing of info Talked to a third party about my debt Last year I made the mistake of taking a loan with Advance America. I contacted them repeatedly on trouble with paying it back and trying to resolve with a payoff program. \nI committed to paying back the loan XXXX at a time at which point they tried to debit XXXX from my account immediately. I immediately changed my card an bank account number to keep my funds so I could feed my family and pay essential bills. \nThey called back threatening a civil suit unless I made another arrangement. They also threatened to have " personal '' collector come to my residence to collect. A practice I thought long gone and illegal. They were very vague and argumentative as most collection agencies are. \n\nI made the arrangement today XXXX/XXXX/2015 at XXXX but during the call the person repeated my Debit card number out loud in a room full of people. I know this to be illegal and it opened up my card to a variety of ways it could be used. They repeated back the number, expiration date and security code. Everything that would be needed to gain access. \n\nThe contact person name is XXXX from XXXXXXXX from their verification department however did not divulge any of my information and limited the security questions to the last XXXX digits. \n\nThis is very dangerous because anyone could have taken my information down. I have alerted my bank about this. I am launching this complaint to keep other consumers safe. I fully intend to pay this bill off. I do not however want random people knowing my debit card number and personal information. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Advance America, Cash Advance Centers, Inc. TX 761XX Servicemember Consent provided Web 08/20/2015 Closed with explanation Yes No 1529320
262856 08/09/2015 Student loan Non-federal student loan Dealing with my lender or servicer Trouble with how payments are handled I paid off a XXXX XXXX student loan in 2008. I was not aware that an additional interest charge had been posted until some years later when I was contacted by Allied Interstate LLC who stated I owed {$300.00} ( the amount I had paid off was around {$600.00} ). Sometime in XXXX of this year I received a letter dated XXXX XXXX, 2015 that offered a settlement amount of {$45.00} if it was paid within 40 days of the date of the letter. I mailed a check to them on XXXX XXXX which they cashed on XXXX XXXX. That same day Allied Interstate LLC sent me another notice stating that I was still to pay the remaining balance and no mention of the settlement that was offered in the XXXX XXXX letter. They are refusing to uphold the terms of the settlement that they offered of their own free will and accord. \n Company chooses not to provide a public response Allied Interstate LLC FL 325XX Servicemember Consent provided Web 08/11/2015 Closed with non-monetary relief Yes No 1510078
263196 08/14/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received The company which placed negative information on my credit report is Stellar Recovery Inc. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MT XXXX ) which is a collection agency on behalf of XXXX. The original reporting on my credit apparently took place in XXXX 2015 however I have not, previous to phone conversations that I initiated on my own behalf due to seeing the negative input on my credit report, received any type of notice via phone, email, or regular mail of this debt. I have since settled this debt directly with XXXX in full however the negative remains on my credit report. It is my understanding that prior to the input on my credit report that this debt needed to be verified and I be given an opportunity to settle, pay outright or dispute the validity of this debt. I was never afforded this opportunity. \n Company believes it acted appropriately as authorized by contract or law Stellar Recovery Inc. AZ 852XX Servicemember Consent provided Web 08/14/2015 Closed with explanation Yes No 1519893
263345 08/14/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Indicated committed crime not paying turned into collection agency from XXXX/ for a debit I was handling with my insurance company. debit turned over to Credit Adjustment XXXX Inc. XXXX XXXX XXXX XXXX XXXX AZ XXXX acct XXXX XXXX XXXX, clt..acct # XXXX \nArrangements were made and a monthly payments has been in a timely manner for months. Please remove this issue so I can regain my credit score. XXXX is the lady I spoke with at credit agency stating to contact you as a credit report was done yesterday with poor rating. Please call me as XXXX if any further questions or email me at XXXXXXXXXXXX matter needs to be resolved asap. \nthank youXXXX XXXX XXXX XXXX XXXX, AZ XXXX \n Company disputes the facts presented in the complaint Credit Adjustment, Inc AZ 853XX Older American Consent provided Web 08/28/2015 Closed with explanation Yes No 1520007
263562 07/16/2015 Debt collection Mortgage Cont'd attempts collect debt not owed Debt was paid After reviewing my credit report, I discovered that XXXX was reporting a mortgage that was once owned by Bank of America in which a Deed in Lieu dated XX/XX/XXXX was submitted and excepted by Bank of America. A 1692g request was received by Representative ( s ) and Agent ( s ) of XXXX on XX/XX/XXXX. ( See Attachment A ) XXXX responded with proper validation of a debt owed per 15 USC 1692g, however the company does not have proper information " Deed in Lieu ''. ( See Attachment B ) A notice to cure was forced to be sent to XXXX containing the Deed in Lieu and my credit report to show that the alleged debt was XXXX ( XXXX ) out after the submission of the Deed In Lieu to Bank of America. ( See Attachment ) XXXX has NOT responded in addition to reporting the debt as a delinquency on my credit report and not as disputed. The loan was settled with Bank of America per the Deed In Lieu and the allegations that a debt is owed to XXXX are frivolous. \n Company chooses not to provide a public response Bank of America MD 207XX Servicemember Consent provided Web 07/16/2015 Closed with explanation Yes Yes 1471738
263805 07/28/2015 Debt collection Medical Communication tactics Called after sent written cease of comm The debt-collection agency, Commonwealth Financial Systems Inc., received my XXXX. XXXX certified - return receipt letter on XXXX XXXX, 2015, which was my dispute of their alleged debt and my direction to discontinue contact with me. I retain the postal return-receipt card, identifying Commonwealth 's receiving my certified mail on that date. Still, Commonwealth continues to call me and their most-recent call originated from their phone number XXXX at XXXX on XXXX XXXX, 2015. \n Company believes it acted appropriately as authorized by contract or law Commonwealth Financial Systems, Inc. WI 549XX Older American, Servicemember Consent provided Web 07/28/2015 Closed with explanation Yes No 1491740
263824 07/28/2015 Debt collection Other (i.e. phone, health club, etc.) Taking/threatening an illegal action Threatened to sue on too old debt ERC is the company, first they say, I owe for this debt that I have no idea or clue what it is or if I even did it. then the debt is about 8 years old, and also threaten take me to court if I do n't pay. \n Company disputes the facts presented in the complaint ERC CO 815XX Servicemember Consent provided Web 07/30/2015 Closed with non-monetary relief Yes No 1490417
263919 07/22/2015 Debt collection Payday loan Communication tactics Frequent or repeated calls I get daily calls from a creditor, regardless of the fact I have told them that I have no money at this time, and when I 'm able to go back to work, I will pay the debt. The tell me the same things, and ask the same questions every time they call and say they are 'making a note of my circumstances ' to try and get the calls stopped. They are generally abrupt, and sometimes rude, and tell me they will keep calling every day until I make an arrangement. \n Company believes it acted appropriately as authorized by contract or law CashCall, Inc. OK 740XX Older American Consent provided Web 07/22/2015 Closed with explanation Yes No 1481269
264056 07/22/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid A third-party debt collection agency known as Commonwealth Financial Systems , Inc., has recently contacted me in writing XXXX and alleged a {$810.00} medical debt as due. I dispute the debt. I do n't owe the debt, and all of my medical costs have already been paid by the Department of Veterans, XXXX office. \n\nI contacted Commonwealth Financial in writing XXXX by XXXX and XXXX. My written correspondence to Commonwealth was first on XXXX XXXX, 2015, and my XXXX on XXXX XXXX, 2015. I dispute the billing because all of my medical costs have already been paid by the Department of Veterans Affairs ( VA ) to the original creditor -- XXXX XXXX XXXX XXXX located in XXXX, WI. \n\nI wanted Commonwealth to validate the debt, but Commonwealth is either unwilling or unable to validate the alleged debt. Worse, the collection agency, Commonwealth, mistakenly entered an adverse collections account information into my XXXX credit report about this unvalidated alleged debt. Equally important, Commonwealth entered the adverse information on XXXX XXXX XXXX, which infers there are XXXX alleged debts for the very same amount to the same creditor, instead of XXXX alleged debt. A duplicate-entry error by either Commonwealth or XXXX. \n\nI 've initiated an on-line dispute with XXXX a few days ago, and called attention to the XXXX adverse records which are precisely XXXX and the same. XXXX has not concluded their own investigation, because it was only recently submitted by me. \n Company believes it acted appropriately as authorized by contract or law Commonwealth Financial Systems, Inc. WI 549XX Older American, Servicemember Consent provided Web 07/22/2015 Closed with explanation Yes Yes 1481268
264204 07/22/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine XXXX years ago I moved from The XXXX apartments in XXXX, TN. I bought a home. Before I left I cleaned the apartment but did leave some things that the cleaning crew or painters could have. These were things like a comforter, electric skillet, some glasses ... .all in excellent condition. I also took pictures of the apartment after I cleaned it. There were holes in the wall that would need patching because I had my t.v. hung on the wall. They called and said I owed then {$120.00} because I left junk, the refrigerator was not clean enough and the holes would need repair. I told them I cleaned everything and the stuff I left in the middle of the room with a note saying they could have, was not junk. I did send them a check for half of the amount, {$65.00}, for repair ( patching and painting ) the holes in the wall. They put the whole {$120.00} on my credit report and it has lower my good credit score. \n Company believes it acted appropriately as authorized by contract or law National Credit Systems,Inc. TN 370XX Older American Consent provided Web 08/13/2015 Closed with explanation Yes Yes 1481509
264283 08/10/2015 Debt collection I do not know Communication tactics Frequent or repeated calls Telephone call, rude -- I think this related to my daughter but somehow they got my cell no. and called me ; I want no further contact with them \n Company believes it acted appropriately as authorized by contract or law Accounts Research, Inc. TN 377XX Older American Consent provided Web 08/18/2015 Closed with explanation Yes No 1510737
264289 07/16/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine sw credit for XXXX for {$510.00}. I believe this is not mine. \n Company believes it acted appropriately as authorized by contract or law Southwest Credit Systems, L.P. MA 021XX Servicemember Consent provided Web 07/16/2015 Closed No No 1472848
264333 07/22/2015 Debt collection Federal student loan Cont'd attempts collect debt not owed Debt is not mine original loan was XXXX months. I wanted to pay off in XXXX months. sent extra money to make this happen. XXXX did not apply funds correctly.XXXX stated it would correct matter, would refer to an analysis. instead they discharged my loan. XXXX would not explain why. told debt collection. contacted XXXX ombudsman. they said could not help. went to an attorney, said wait until they put a judgement against you. mean while debt collection wants to garnish wages and take income tax refunds. \n Company chooses not to provide a public response Account Control Technology, Inc. VA 234XX Servicemember Consent provided Web 07/22/2015 Closed with non-monetary relief Yes No 1481423
264406 08/04/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Threatened to take legal action I was a member of the XXXX in XXXX XXXX when I lived at the apartment complex that had their facility on the property. I lost my job and could no longer afford living there so moved from the apartment to XXXX. Before leaving i went to the office, told an employee what the situation was and left a note telling them I cold no longer afford the membership and was moving to another city. I did not get any sort of receipt nor was I told that this was not sufficient notice. \nSeveral months passed and as I did n't hear from them assumed it was done. Some time later they contacted me and demanded I pay nearly {$300.00} dollars claiming that I have not given them 30 days notice of my intention. They also claimed I had n't ever informed them on my desire to cancel. I called several times and left several messages. It took a long time to finally get talk with someone who was not even remotely helpful. I offered to print out a copy of the original letter but was told it would not be accepted because as they said, " How do we know you have n't just written it? '' I then offered to pay another month 's payment and mail them a new letter telling them I wanted to stop my membership. They refused to allow me to even consider this. I feel I have made good faith attempts to resolve this but no solution I have offered was acceptable. They have finally sold this account to a collection agency and I continue to be plagued by this. I am adamant that I will not pay any more than one single month payment. This seems to be a reasonable solution that a reputable company would accept. I need to have them either accept my offer or stop dinging my credit every month. I would appreciate your assistance in dealing with this. Thank you kindly, XXXX XXXX \n Company believes it acted appropriately as authorized by contract or law Law Offices of Robert J. Colclough, III CA 915XX Older American Consent provided Web 09/25/2015 Closed with monetary relief Yes No 1500740
264665 08/15/2015 Debt collection Other (i.e. phone, health club, etc.) Taking/threatening an illegal action Attempted to/Collected exempt funds These medical debt collection agencies has attempted to collect a debt on several different levels. One was a debt that my grandson 's school was responsible for because he had XXXX insurance, the others were used against me when I gave them my VA medical insurance information upon entry to the XXXX and on their constant harassing and threatening phone calls, to no avail. I am now a XXXX XXXX veteran living off of XXXX and declared " unemployable '' due to my injuiries substained while on active duty. \nXXXX was sent a " victim 's fraud '' package.I also sent them relevant documents. So why deleted only XXXX of the XXXX. They dismissed XXXX accounts and not a XXXX one. This is very disturbing to me. I have a XXXX XXXX XXXX as well as XXXX from being injuired XXXX and this does not help my XXXX. \nDuring hurricane XXXX I was a victim of fraud. And the credit bureau has an " VICTIM FRAUD ALERT '' on my credit because all necessary police and other reports were submitted to them. \n Company chooses not to provide a public response Receivables Performance Management LLC GA 300XX Servicemember Consent provided Web 08/15/2015 Closed with explanation No No 1520572
264685 07/22/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt was paid I had a Sears Card thier were some issues with the card so I made an agreement to have the card cancelled and pay the debt off, I did so. Now it is showing up on my credit report as a COLLECTION. I have no idea how this happened when I honered the agreement I had with Sears. \n Company chooses not to provide a public response Citibank OK 735XX Servicemember Consent provided Web 07/22/2015 Closed with explanation Yes Yes 1481800
264699 07/17/2015 Debt collection I do not know Disclosure verification of debt Not given enough info to verify debt have no idea who this is \n Company can't verify or dispute the facts in the complaint CCS Financial Services, Inc. MA 021XX Servicemember Consent provided Web 07/23/2015 Closed with explanation Yes No 1477031
264722 07/17/2015 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect These people are not licensed to perform XXXX XXXX excessive interest rates XXXX operations in the state of California or the USA. They are charging me a interest rate of % XXXX and the department of business oversight of the state of Ca. said that they can not do that. Their phone number is XXXX \n Company believes it acted appropriately as authorized by contract or law BlueChip Financial CA 917XX Older American Consent provided Web 07/23/2015 Closed with explanation Yes Yes 1477073
264919 08/15/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Citibank has been callingfor almost XXXX weeks..at firsti thought it could have been a wrong numnber.When i would pick up then the phone would hangup.I get the calls first thing inthe mornings, during the day and pplthe evenings. I contacted a XXXX number and told the person what was happening and they said i should not get any more calls and i just received another from XXXX the same number. \nI have toneved had anaccount with Citibank and when it call it never asks to speak to someone. The number that is calling me is XXXX. \n Company chooses not to provide a public response Citibank TX 761XX Older American Consent provided Web 08/20/2015 Closed with non-monetary relief Yes No 1520676
264985 08/15/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt Fair Collections and Outsourcing ( FCO ), a debt collector and assigned agent of the original creditor, XXXX XXXX XXXX, has been attempting to collect a claimed debt of {$3500.00} for various charges associated with my rental of an XXXX apartment at the XXXX XXXX facility in XXXX XXXX California. \n\nFCO has provided as evidence of the debt, a '' resident Journal '' that depicts debit and credit transactions and ending balance. The problem with this XXXX page report is that @ XXXX % of the report is blurred beyond readability, and the ending perpetual balance does not follow from the transactions, but rather is stated seperately on a page not of the transaction report, and in a different typeset. The report as given is useless for purposes of debt validation. \n\nFCO is reporting the claimed debt to XXXX, who is reporting it as a delinquent item in collections. \n\nI have sent to FCO a copy of the report I received from them, pointing out the unreadable areas, and requesting a fully readable version. I also requested that they provide the name and contact information of authorizing and approving agent at XXXX XXXX Communities. \n\nIn response, I received a letter from FCO stating they have " verified '' the debt and will continue reporting it to the CRA, FCO did not respond to any of the requests I made for a competent validation of the debt, and identity of the source of the data. \n Company chooses not to provide a public response FAIR COLLECTIONS & OUTSOURCING, INC. CA 940XX Older American, Servicemember Consent provided Web 08/15/2015 Closed with explanation Yes No 1520704
265058 08/10/2015 Debt collection Medical False statements or representation Attempted to collect wrong amount XX/XX/XXXX my {$550.00} bill from the XXXX XXXX for services XX/XX/XXXX was sent to PSB XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX. I was unable to get an itemized bill from XXXX or the collection agency regarding what I was seen as owing. My numerous calls to XXXX and PSB as well as facsimile data was ignored. XXXX says XXXX paid {$530.00} while PSB notes XXXX paid XXXX as sent to them by XXXX. Neither XXXX nor XXXX will talk to me to reconcile this big difference. \n Company disputes the facts presented in the complaint Professional Service Bureau FL 337XX Older American Consent provided Web 08/13/2015 Closed with explanation Yes No 1511011
265106 08/16/2015 Student loan Non-federal student loan Dealing with my lender or servicer Need information about my balance/terms I received a collection notice from Solomon and Solomon P.C. of XXXX XXXX XXXX, XXXX XXXX XXXX regarding a XXXX XXXX XXXX XXXX XXXX XXXX loan that was apparently originated around XXXX. I have not received any information about the original loan, no copies of the original loan application or documents and no proof that this loan is indeed my responsibility, but it is certainly not my personal debt since I have n't been a student since XXXX. I have helped my XXXX sons get through college, however, and XXXX of them did attend college in XXXX until XXXX, but again, I have n't received any original loan information, so I have no way of knowing if this is his debt. All I have received is collection notices demanding {$22000.00} of which they now claim {$21000.00} is principal and {$430.00} interest. In XXXX XXXX, they claimed {$12000.00} was principal and {$7500.00} interest. In XXXX, they raised the interest to {$7800.00}. So now they 've changed the interest due into principal due. \nSecondly, in XXXX XXXX, Solomon and Solomon served me with a Civil Summons for which I had to file an " Appearance '' with the " CLERK, SUPERIOR COURT, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX '' by XXXX XXXX, XXXX, which I did. I also sent Solomon and Solomon a copy of my " Appearance '' form. They then asked the court for a " Motion For Default - Failure To Plead ''. The court responded thus : " The foregoing, having been considered by the clerk, is hereby : ORDER : DENIED. The person sought to be defaulted is not a party to this case ''. Then on XXXX/XXXX/XXXX, Solomon and Solomon filed yet another " MOTION FOR DEFAULT FOR FAILURE TO PLEAD '' with the court against me for " failure to file an Answer in this matter ''. I have n't been asked to plead to anything. The only action requested of me was to file an " Appearance '' by XXXX/XXXX/XXXX. Since I have n't been told anything about the original loan and nothing about how I may have acquired this debt, I consider this not only heavy-handed, but also a devious tactic because they are requesting something that has already been denied, perhaps in hopes that the court will inadvertently contradict its prior ruling. \nXXXX, I am considered " Totally and Permanently XXXX '' by the XXXX and also by the XXXX. To continually harass a XXXX American over a debt he knows nothing about is outrageous. I am considering what options I may have against Solomon and Solomon for their intimidating tactics and constant correspondence demanding more and more money including attorneys fees and absurd interest charges ( that somehow turn into principal debt ). \nI will gladly forward copies of any paperwork I have regarding this matter as well as proof of my XXXX status. Thank you for taking the time to review my information. Please help me if you can. \n Company chooses not to provide a public response Solomon and Solomon, P.C. CT 067XX Older American Consent provided Web 08/25/2015 Closed with non-monetary relief Yes No 1520850
265128 07/22/2015 Debt collection Medical Disclosure verification of debt Not given enough info to verify debt Collection agency in question has failed to respond to debt verification via telephone and written correspondence. Agency has informed me that they will continue to asses fees onto original amount due ; although I have not heard from agency in over one month. Their practices seem to be very predatory ; I would like some form of explanation and clarity and complete removal from my credit profile. \n Company chooses not to provide a public response Armada Corp. NV 891XX Servicemember Consent provided Web 07/22/2015 Closed with explanation Yes No 1480373
265204 07/28/2015 Payday loan Payday loan Can't stop charges to bank account Can't stop charges to bank account I am unable to make a payment this month because I have unexpected major car repairs. I contacted the lender and they have called more than ten times daily to threaten me with " major collection actions '' if I do n't borrow the money, pawn something or take another payday loan to make my payment. I am afraid of what will happen next. \n Company believes it acted appropriately as authorized by contract or law Bliksum, LLC CA 958XX Servicemember Consent provided Web 07/29/2015 Closed with explanation Yes No 1491145
265224 08/10/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine i inquired about their services only and refused it and they to charge me \n Company believes it acted appropriately as authorized by contract or law Universal Account Servicing, LLC TX 770XX Older American Consent provided Web 08/19/2015 Closed with explanation Yes No 1511087
265266 08/16/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine On my XXXX credit report, There are XXXX collections that were just added to my file that do not belong to me. I have never been contacted by these people. The account owner does not even have the same name as me. \n Company believes it acted appropriately as authorized by contract or law Express Recovery Services, Inc. UT 841XX Servicemember Consent provided Web 08/16/2015 Closed Yes Yes 1520801
265354 08/04/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine We are getting automated dialer robo calls from Focus Receivables, phone number XXXX asking us to call back. We have gotten calls on our home phone and cell phone. We have no debt and believe the calls are in error. When I called the number back, I was put on hold and after eight minutes I hung up. I strongly object to this waste of time to resolve an issue that could have been dealt with immediately had a live person come on the line when I answered the phone. \n Company can't verify or dispute the facts in the complaint Focus Holding Company OH 446XX Servicemember Consent provided Web 08/06/2015 Closed with explanation Yes No 1500581
265359 07/28/2015 Payday loan Payday loan Can't stop charges to bank account Can't stop charges to bank account I told them I do n't get paid till Friday but they wo n't wait they want to take it out on Wednesday they purposely are going to bounce my account. \n Company chooses not to provide a public response Cottonwood Financial Ltd. TX 787XX Servicemember Consent provided Web 07/28/2015 Closed with explanation Yes No 1491188
265463 08/21/2015 Debt collection Mortgage Cont'd attempts collect debt not owed Debt is not mine On XX/XX/XXXX I contacted Dyck-O'Neal in regards to their account # XXXX. In the letter, I explained that the note was a modification of an existing mortgage loan, not a new financial instrument. Further more, I supplied a XXXX clearly showing that the entire balance was charged off and that a Satisfaction of Mortgage was filed on XX/XX/XXXX after the date that Dyck-O'neal states this account was opened. Since my communication to Dyck-O'neal, no satisfactory explanation of how their account is a valid debt has been provided to me. Communication from them has been sporadic at best, with no communication during recent periods of a year or more. Recently, I disputed this account with XXXX credit reporting agencies since Dyck-O'neal decided to start reporting this account as late. The disputes resulted in still no details of why this debt is valid. \n\nIn a nutshell, this debt was 100 % charged off by XXXX XXXX during a Deed-in-lieu of foreclosure and Dyck-O'neal has no right to attempt to collect on this. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Dyck-O'Neal, Inc. FL 330XX Servicemember Consent provided Web 08/21/2015 Closed with explanation Yes No 1530894
265464 08/10/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid Hi my name XXXX XXXX XXXX this company reported an acct. from XXXX that I owe {$330.00} which I do n't owe at all. I did have an acct. in XXXX and they have ask me to return the equipment 's which I did and paid off all balance when I close my accnt with them. Then I saw this on my credit report the only accnt. showing on collections which I tried to take care of my credit I never had any other accnt on collections on top of that this company never heard and they never tried to contact me I never receive any mail or calls regarding this acct. I have contacted XXXX regarding this matter and they have told me that my acct. is paid off and no outstanding balance they said that there must be some misunderstanding on my acct. which I do n't appreciate they have contacted the above agency and told them to cleared this but im still seeing this on my credit report. If you look at my credit history I do n't even have much of credit cards due to being afraid of stuff like this could happen. Im trying to build up my credit and pay my accnts on time. I do n't deserved to be harassed and get my credit ruined because of this. \n Company believes it acted appropriately as authorized by contract or law ERC CA 945XX Servicemember Consent provided Web 08/10/2015 Closed with non-monetary relief Yes No 1511183
266066 08/10/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt resulted from identity theft Hi, My name is XXXX XXXX and I have a an issue with Frederick J. Hannah and Associates where they alleged intimate clients to sign a statement to pay them money on a debt that they do not have the right to do so. Also, presenting false affidavit to the court and saying that they are representing XXXX XXXX credit company to collect money from me. Last year the attorney presented this information to the courts in XXXX XXXX and seek a judgement against me. On XXXX XXXX, 2015, I received a letter from them that they have filed a garnishment on my wages with the XXXX XXXX XXXX XXXX and my employer. The Case Number for the Garnishment is XXXX. I need help quickly as to what shall I do to keep them from garnishing my wages. I have seen so much information on the internet where they was lawsuit filed on them by CFPB due to the Hanna firm relies on deception and faulty evidence to drag consumers to court and collect XXXX of dollars. Also, Intimidating consumers with deceptive court filings in collection suits that are signed by attorney when in fact the lawsuits are the result of automated processes and the work of non-attorney staff, without any meaningful involvement of attorneys. I need something in writing to take to the courts that this law firm is not suppose to be collecting money from consumers like myself due to they are in violation of certain codes. My email address is : XXXXXXXXXXXX. \n Company believes it acted appropriately as authorized by contract or law Frederick J. Hanna & Associates, P.C. GA 300XX Older American Consent provided Web 08/10/2015 Closed with explanation Yes No 1511409
266271 07/29/2015 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Contacted me after I asked not to I have received phone calls regarding money I do not owe. \n Company believes the complaint is the result of a misunderstanding Hunter Warfield, Inc. GA 302XX Servicemember Consent provided Web 07/29/2015 Closed with explanation Yes Yes 1493430
266324 08/22/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I do not owe debts. Bills are paid timely. Keep getting robo calls on answering machine from XXXX stating it is debt collector. Must be continuing scam. I do not return the calls. \n Company chooses not to provide a public response SquareTwo Financial Corporation NC 288XX Older American Consent provided Web 08/24/2015 Closed with explanation Yes No 1531653
266326 08/17/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid sunrise credit services contacted me about a XXXX account.i was given instructions of paying debt.i mailed out XXXX money orders.the XXXX in the amount of {$54.00} and a XXXX for $ XXXX.the {$54.00} money order was sent to sunrise credit services with XXXX annotated on money order.Since.XXXX of this year ive been hounded for the $ XXXX.Ive sent several copies of money order that i had traced through the postal service showing it was deposited in a sunrise credit services escrow account.money order included sunrise credit services account number.Still today sunrise refuses to inform XXXX they received payment which postal service confirms was cashed on XX/XX/XXXX.because of this lack of action ive been reported to the credit bureau which a caused my credit score to tumble as well affecting interest rates on purchases made on credit.Id like to add that i followed all instructions given and and this should have never gone to credit bureau under payment agreement.the first contact was made by sunrise credit services was made XXXX XXXX {$54.00} money order sent out XX/XX/XXXX \n Company chooses not to provide a public response Sunrise Credit Services Inc. PA 152XX Servicemember Consent provided Web 08/17/2015 Closed with explanation Yes No 1521472
266337 07/22/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Frequent or repeated calls I am getting robo calls at my business attempting to collect on XXXX telephone services which were changed from business to personal in 2014. The robo calls have a recorded message. It is coming from Southwest Credit Systems and they specifically ask for me. This is a business and I previously have advised them they are not to call the business number and not to robo call either as I do not appreciate being asked to hold for a real person. And incidentally, I still have uverse personally and have complained to the credit bureau without results. I also continue to get calls from XXXX XXXX XXXX asking me to switch the telephone over to XXXX. So apparently they are not trying to collect these charges. \n Company believes it acted appropriately as authorized by contract or law Southwest Credit Systems, L.P. AL 352XX Older American Consent provided Web 07/22/2015 Closed Yes Yes 1482403
266517 07/22/2015 Debt collection Medical Disclosure verification of debt Right to dispute notice not received I am also making a complaint agains the original creditor. This debt should have been taken care by the VA long time ago. I have no invoice for these services. \n Company can't verify or dispute the facts in the complaint The CMI Group, Inc. TX 773XX Servicemember Consent provided Web 07/22/2015 Closed with non-monetary relief Yes No 1483488
266556 08/22/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt was paid XXXX XXXX XXXX is the latest in a series of companies who 've apparently " bought '' very Action Card accounts. I 've told them repeatedly I 've not had an Action card since XX/XX/XXXX, which I paid off both ; I 've noted there was nothing about Action Card in my credit records when I bought a house XX/XX/XXXX ; I 've demanded they send some sort of proof that I owe them anything, which they have not done ; I 've asked them to stop the daily calls at all times of the day, at home and work. XXXX XXXX XXXX is the current company hassling me - their latest " offer '' says the " current owner '' of the alleged debt is XXXX XXXX XXXX. I want these people stopped. \n Company believes it acted appropriately as authorized by contract or law Atlanticus Services Corporation LA 711XX Older American Consent provided Web 08/22/2015 Closed Yes Yes 1531718
266832 08/23/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt was paid I believe this is Wellafargo this account wasCharge off. I had payed {$840.00} dollars toXXXX to fix. The negativelyWhich they did an I have proof \n Company chooses not to provide a public response Wells Fargo & Company TX 751XX Older American Consent provided Web 08/23/2015 Closed with explanation No No 1531940
266946 08/23/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine Cohen & Slamowitz LLP in XXXX NY somehow obtained a default judgement against me for {$4700.00} in XXXX county Supreme court. Acting on that judgement ( alleged service made 10 years ago ) my checking account was seized ( XXXX in XXXX NY ) The account contained XXXX+-. As is common, the entire account was frozen. Then Slamowitz got another judgement for the total amount in my account and the entire amount was frozen for the last year. I investigated this claim and found that Slamowitz contends that service was made at an address ( XXXX XXXX XXXX, XXXX NY ) at which I never lived. I have no knowledge of this debt, and as a former XXXX XXXX, I know what a " Sewer service '' is. They claim they are representing " XXXX XXXX '' who apparently purchased the alleged debt from XXXX, On XXXX XXXX, 2010, XXXX, XXXX, UT was closed by the Utah Department of Financial Institutions. THIS DEBT IS TOTALLY BOGUS, and I contend that the seizing of my funds from XXXX amounts to little more than theft. The " Service '' was fraudulent and the judgement should be vacated forthwith. \n Company chooses not to provide a public response Selip & Stylianou, LLP NY 127XX Older American, Servicemember Consent provided Web 08/23/2015 Closed with explanation Yes Yes 1531974
266947 07/23/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt resulted from identity theft First National Collection Bureau XXXX Inc., account # : XXXX, Ref # : XXXX, is a fraudulent account and do not belong to me. \n Company believes it acted appropriately as authorized by contract or law First National Collection Bureau, Inc. MN 554XX Servicemember Consent provided Web 07/23/2015 Closed with explanation Yes No 1483724
267174 08/17/2015 Student loan Non-federal student loan Dealing with my lender or servicer Don't agree with fees charged In the XXXX of 2014 my grandson applied for a {$8500.00} student loan from Sallie Mae. He asked me to co-sign the loan. I was reluctant to do so, but finally did. The reason for the reluctance was the interest being charged ( 8.5 % ADJUSTABLE ) when interest rates elsewhere were 2 to 3 % and fixed. I checked my credit report and determined I had a very high number. I am a XXXX year old veteran and a retired XXXX from XXXX XXXX. I have always paid my mortgage, car payments, and all other payments on time. I called Sallie Mae and complained to them about the interest rate. They said " It was determined by their computer ''. I believe that is hogwash! I have complained in emails to several government agencies and have never received a response. I think Sallie Mae is taking advantage of students needing loans for their college education. My grandson will be a XXXX this XXXX and is doing good in his school at XXXX XXXX. I would appreciate you looking into this to determine if Sallie Mae is charging unacceptable interest rates for its student loans. \n Company believes it acted appropriately as authorized by contract or law Sallie Mae PA 189XX Older American Consent provided Web 08/17/2015 Closed with explanation Yes Yes 1521097
267321 08/23/2015 Debt collection Medical Disclosure verification of debt Not given enough info to verify debt I checking my credit report There is collection agency reporting information that is not mine I am retired and have XXXX and XXXX and all my medical bills are paid 100 % I have received no correspondence from this collection agency whats so ever \n Company believes it acted appropriately as authorized by contract or law Commonwealth Financial Systems, Inc. GA 302XX Older American Consent provided Web 09/02/2015 Closed with explanation Yes Yes 1531820
267360 08/11/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Received a collection agency notice to collect a toll I do not owe. If I had owed it, I would have receive a notice from the State of Florida. \n Company believes it acted appropriately as authorized by contract or law Linebarger Goggan Blair & Sampson, LLP AL 352XX Older American Consent provided Web 08/11/2015 Closed with explanation Yes No 1512429
267607 08/11/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine My physician 's office mistakenly sent this account for collection in XXXX of 2015. My physician 's office took action right away when they determined that they had sent the account to collections in error and immediately contacted the collection agency to have the account removed. This occurred in early XXXX 2015. I just checked my credit reports and the collection accounts are still on all XXXX credit reports. When I called the collection agency, they would n't help me to remove the account, they just told me to file a dispute with the credit agencies. They did n't even ask for my account number, just said that they would have done it right away. Basically, they said that it 's my problem, not theirs, and I need to go through the dispute process to have the inaccurate removed. \n Company believes it acted appropriately as authorized by contract or law Collection Resources, Inc. TX 799XX Servicemember Consent provided Web 08/11/2015 Closed with non-monetary relief No No 1512499
267698 07/29/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I am receiving calls from Linebarger Goggan Blair and Sampson, LLP every day saying I own a debt from the year 1996I want to know how are they entitled to collect this debt and I want them to stop harrassing me. \n\nThey just sent a letter of collection for this nonexistent debt for {$740.00} \n Company believes it acted appropriately as authorized by contract or law Linebarger Goggan Blair & Sampson, LLP OH 441XX Older American Consent provided Web 07/29/2015 Closed with explanation Yes No 1491792
267701 08/24/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine We purchased a business and landscaping was already in place by a company. We let them continue, but did not have a contract with the company. We called and asked for a Mosquito treatment on the property in XXXX 2013. They did not apply it until XXXX 2013. At that point, we called and cancelled all services. The landscape company continued to come every week, but were coming in the morning before anyone was at the building. We never saw them. I received the XXXX billing after cancellation in mid-XXXX 2013 and called again and left a message. They still continued to come through the end of the season. We have written letters and asked for these bills to be reversed. XXXX years later, the landscape company has turned the account over for collection. \n Company believes it acted appropriately as authorized by contract or law American Profit Recovery, Inc ME 040XX Servicemember Consent provided Web 08/24/2015 Closed with explanation Yes No 1532463
267920 07/23/2015 Debt collection I do not know Communication tactics Frequent or repeated calls Debt collector NCC Business XXXX has been calling for months. My wife and I are not aware of any past due debts. Having been alerted to this company 's harassing techniques by numerous posts on XXXX, for months I did not answer their calls. Finally I answered and said that we do not have any past due debts, and asked them not to call again. I do not know if anyone was on the other end of the phone to hear and log my request. The calls have continued and I do not answer. Today, XXXX XXXX, 2015, XXXX., I received a call from this number, this time leaving a message. The message said, " We have an important call from NCC. This is a debt collector. Please call ( XXXX ) XXXX. Thank you. '' What I find interesting is that the message is recorded and calls neither me nor my wife by name, nor does it reveal the nature of the debt. From numerous XXXX posts, when others return the call, the representative insists on the caller revealing personal information, including Social Security number, before discussing the nature of the debt. Based on this shady technique, I will not be calling this number because I will not reveal such personal information to what I believe are cold-call debt collectors phishing for information. I have received no letter nor bill from any creditor that indicates either my wife or I are in arrears on any debt. I consider these calls to be phishing and harassing and ask that you help me put an end to these calls. \n Company chooses not to provide a public response Nationwide Credit Corporation VA 230XX Older American Consent provided Web 08/12/2015 Closed with explanation Yes No 1483601
267932 08/11/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount Collection notice from Enhanced Recovery Company , LLC, ( Mailing address XXXX, FL XXXX ) asking for unpaid balance {$150.00} to XXXX. I have automatic payment with XXXX, and do n't have any outstanding balance. \n Company believes it acted appropriately as authorized by contract or law ERC FL 336XX Older American Consent provided Web 08/11/2015 Closed with non-monetary relief Yes No 1512593
267970 08/17/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I had accounts with XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX who all were hacked and had information stolen. XXXX XXXX XXXX gave me an Identify Theft Protection subscription from XXXX. I was notified by them that negative information was put on my records with the credit agencies. I checked it out and found that a collection company name Stellar Recovery had put on my records with the credit reporting companies that I was in collections. This was the first that I knew about this. I called Stellar Recovery and according to them, XXXX on XXXX of 2015 assigned them an account to collect in my name. Stellar Recovery told me that the XXXX Account number was XXXX and they told me that this account was for XXXX XXXX XXXX in XXXX. I told Stellar Recovery that I am XXXX years old, never been in XXXX and lived my whole life in Washington State. I further told them that I am, I am a XXXX when this took place. I shared that I have XXXX when this happened and not in XXXX. They told me that they would close out the account but that I had to contact XXXX. Then next day I found that on my records with the credit agencies that they had changed that I was in collections to that I owed money. I called them again and they said that I would have to contact XXXX. I called XXXX and they told me that I needed to fill out an Identify Theft Victim 's Complaint and Affidavit form ( from the FTC ) and then fax it ( along with any proof ) to them at XXXX. I tried to fax the Identify Theft Victim 's Complaint and Affidavit along with proof to them XXXX times ( XXXX different days ) and the fax number did not work. I called and asked XXXX to tell me the correct number and they could only give me the fax number that does not work. As a result I mailed them everything and I still have not heard from them and my credit is being hurt because of them. The proof I sent was a notarized letter from my XXXX in Washington State and notorized records showing that I was at XXXX in XXXX, XXXX and XXXX of 2015 and not in XXXX. If you contact me and give me a fax number I will fax you the proof I mailed to XXXX which was a notarized letter from my XXXX Washington State and notorized records showing that I was at XXXX in XXXX, XXXX and XXXX of 2015 and not in XXXX. My cell phone number is XXXX. Please help me. Thank you and have a great day. \n Company believes it acted appropriately as authorized by contract or law Stellar Recovery Inc. WA 993XX Older American Consent provided Web 08/17/2015 Closed with explanation Yes No 1522035
267991 08/17/2015 Debt collection Credit card Improper contact or sharing of info Contacted me instead of my attorney We have a lawsuit pending with US Bank. We get calls from some business who claims to be US Bank. I looked up the telephone number and it seems to be a debt collector or telemarketer. ( XXXX ) We gave them the lawyer 's information and read them the lawsuit along with saying the FDCP says that the must deal with him. They claim that the law does n't apply to them! If US Bank hired them to harass us have they not violated the court order or the collector breaking the law? I also received a letter, on US Bank stationary demanding that we need t pay them from the collector. \n Company chooses not to provide a public response U.S. Bancorp LA 711XX Older American Consent provided Web 08/17/2015 Closed with explanation Yes No 1522053
268036 08/27/2015 Debt collection Medical False statements or representation Attempted to collect wrong amount The debt collector sued me in circuit court and I filed an appearance and a trial date was set. While I was away the debt collector sent my wife a summons to appear for the same case and when she did not appear - the debt collector asked for and received a default judgement that I successfully got vacated. \n\nThis debt originated from unpaid medical claims by an insurance company and I had to enlist the aid of the Illinois Insurance Commissioner to compel them to pay the claims. This took over a year but the insurance company paid on the claims. The judgement amount the debt collector sought to get from the default judgement did not take into account the payments made by the insurance company even though they were aware of the payments that were made. When asked about the payments the debt collector stated " I have a judgement '' ; however the judge vacated that judgement and the judgement amount was reduced. Has I not sought to have the judgement vacated the debt collector would have sought to collect the entire amount of the judgement knowing that at least half the amount they were seeking had been paid already by the insurance company. \n\nThe debt collector verbally agreed to a payment agreement but sent a form - not filed in the court too late for me to comply with the terms of the agreement. The debt collector then filed the agreement with the court 5 days after the payment was due and then filed a Wage Deduction Notice with the court and sent a copy to an employer that I have contractual relationships with damaging my professional reputation. I am now in the process of disputing the wage attachment, but the damage has been done. \n Company believes it acted appropriately as authorized by contract or law TH Professional & Medical Collections LTD IL 617XX Older American Consent provided Web 09/04/2015 Closed with explanation Yes Yes 1541370
268518 08/05/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt was discharged in bankruptcy I have a USAA charged off that 's being reports monthly to my credit report. \n Company believes it acted appropriately as authorized by contract or law USAA Savings AZ 853XX Servicemember Consent provided Web 08/05/2015 Closed with explanation Yes No 1503030
268623 08/28/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Hunter Warfield calls almost daily in attempt to collect information from me on a relative. They have no right to try to use me as a source of information and such calls are simply harassment. \n Company believes the complaint is the result of a misunderstanding Hunter Warfield, Inc. FL 325XX Servicemember Consent provided Web 08/28/2015 Closed with explanation Yes Yes 1541713
268830 08/24/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt was paid To Whom It May Concern : Re : Case No. XXXXXXXXYou all had SunTrust to release the Deed of Subordination at the XXXX County Register of Deeds Office, but what about the deed to my property? That 's what the DOT for {$38000.00} was all about. SunTrust alleged that I borrowed money from them in XX/XX/XXXX to renovate rental properties. As I stated before, I have never owned any rental or commercial properties. That land was purchased by my mother, XXXX XXXX. It was later deeded over to me to help out with her personal care should any expenses occur. The mobile home is anchored to that land. I sent you a copy of all the grantees that SunTrust have used to show ownership in the past. I believe that XXXX is XXXX of their subsidiaries too. They can give me my land back with no problem because the loan was bogus. I do n't have a lawyer that wants to tackle this case because they said it 's too old and it would be too time consuming to get all of the information that would be needed. I have put fifteen years in it myself and it has just about consumed me. I was told by the US Attorney General 's Office that you all could fix it. You have done a lot by releasing that loan against my home and I thank you so very much. I did n't receive a response in regards about the land ( XXXX XXXX at XXXX XXXX XXXX XXXX ) or about my monies that I paid on something that I did n't owe. I did n't know that Banks were allowed to run over consumers like me just because they feel like it. I have been taken the advantage of and mistreated. Please let me know what response you got from SunTrust about these issues. Please explain to me how they can foreclose on my land and the debt was bogus? I know I contacted you all after the fact but you did n't exist until XX/XX/XXXX. You made them write the note of satisfaction, so why not get my land back? I never signed my land over to them during my construction loan with XXXX and later became XXXX XXXX, did n't include it with my mortgage either. SunTrust made up this loan and how can they get away with it? This ca n't be legal. As I stated before, my lawyer died suddenly, the company I bought the modular home from filed bankruptcy and we never had a closing because CCB merged with SunTrust and this was when all hell broke loose. Please help me to bring this matter to a close. Thank you in advance for assisting me with this issue. \n Company chooses not to provide a public response SunTrust Banks, Inc. NC 275XX Older American Consent provided Web 08/25/2015 Closed with explanation Yes Yes 1534242
268993 08/17/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid My son has control of my library card and had used it. He hid the late notices from me. When I found out Through XXXX that I had owed {$96.00} I was XXXX. I told to pay the debt. So he went to the XXXX XXXX Library to pay it. The XXXX XXXX Library should have it on their books as paid in full. \n Company believes it acted appropriately as authorized by contract or law Unique Management Services, Inc PA 189XX Older American Consent provided Web 08/17/2015 Closed with explanation Yes No 1522589
269023 08/28/2015 Debt collection I do not know Taking/threatening an illegal action Threatened arrest/jail if do not pay my mother is XXXX years of age and recently had a XXXX and XXXX XXXX. This company has continued to call and harass her concerning a debt. They have threatened to come to house and stated they with the Sheriffs Department and was coming to serve her for a debt. We have asked them numerous times to stop contacting her that her health is poor and she can not endure this type of stress any longer and has no income to pay this debt. \n Company believes it acted appropriately as authorized by contract or law Trademark Management Solutions, LLC. TX 761XX Older American Consent provided Web 08/28/2015 Closed Yes No 1542026
269213 08/28/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine In XXXX I played XXXX XXXX XXXX XXXX XXXX. I signed up for a membership there to use the facility aside from tennis and changed my mind. \nWithin XXXX hours of signing the contract I brought in a letter expressing my desire to void the contract as I would not be using it as I was no longer going to be playing XXXX at the end of the season. The clerk, XXXX I believe his name was, took the letter and attached it to the contract. \nHere it is XX/XX/XXXX, and I am placed in a collection agency and apparently they were told the contract was signed XX/XX/XXXX. This is absolutely false, the agency does not have a copy of the contract which one representative told me she did and they refuse to verify it. \nThey call several times a day and tell me I need to email them a dispute but have yet to give me the address to send my dispute. \nThis is adversely effecting my credit file and I need it to be fixed immediately! \n Company believes it acted appropriately as authorized by contract or law Simonâs Agency, Inc NY 132XX Servicemember Consent provided Web 08/28/2015 Closed No No 1542291
269228 08/28/2015 Debt collection Credit card Communication tactics Frequent or repeated calls I have recently lost my job. I 'm currently seeking employment. In the mean time I send payments which I can afford every month. Although these payments are not the required monthly payments I send what I can to show good faith. The credit card companies still call me relentless day & night multi times a day. They call on XXXX my land line phone & cell phone, When I try to explain my situation, they hang up. The companies who are harassing me @ this time are1. City Bank XXXX XXXX, Ky. \n\n2.XXXX XXXX XXXX XXXX XXXX calls are recordings as early as before XXXX as late as XXXX \n Company chooses not to provide a public response Citibank NY 114XX Older American, Servicemember Consent provided Web 08/28/2015 Closed with non-monetary relief Yes No 1542302
269317 07/23/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received I was informed XXXX days ago by my future employer that I had an delinquent account totaling {$2000.00}. I called the leasing office where the debit was owed and was informed that it was for move out charges ( XXXX ) my former husband accumulated. I was no longer in the home as of XXXX. The leasing office XXXX had my contact information including email address. There was no attempt to notify me of the debit. I was just informed the day I called. The total charges were {$1800.00}. They referred me to collection agency IQ Data International. I spoke with XXXX who informed me that I could not make payments and that they would not send me any documentation that the loan exist. My only option was to pay the balance in full and if done in XXXX days it would be deleted from my record. She stated if i could not pay i would need to get a loan from a bank. She referred me to a local bank. The next day i called and decided to make payments and not take a loan out because of the state of my current credit score. I was transferred to XXXX again. On this day she stated my balance was now {$2000.00} that it accrues 7 % interest. She became furious when i told her i would not take out a loan and for her to send me documentation so that i can make payments. She then stated that i was refusing to pay the loan and finished stating some sort of disclosure. I asked to speak to manager she said he was at lunch. I hung up called back spoke to another associate who said she could not speak to me about the account but that that managers where on lunch but she provided me with his ext. The managers voice mail had no greeting of the agency or managers name. I left a message and have yet to receive a call. How can i be responsible for paying a debit that i was not informed of then when i reach out to the collection agency they are not providing me any documentation. Do I not have rights, am i just expected to send money to an agency i do not even is legit. \n Company believes it acted appropriately as authorized by contract or law I.Q. Data International, Inc. NC 275XX Servicemember Consent provided Web 07/23/2015 Closed with explanation Yes Yes 1484540
269354 08/05/2015 Debt collection Medical Disclosure verification of debt Right to dispute notice not received I have never received any communication from Aargon Collection Agency about reporting any negative information on my credit report. I found out about this negative item on my credit report as I am in the process of buying a house and this item came up on my report. This debt has not being verified as I have asked and this agency is in clear violation of federal laws. \n Company believes it acted appropriately as authorized by contract or law Aargon Agency, Inc. CA 925XX Servicemember Consent provided Web 08/05/2015 Closed Yes Yes 1502815
269412 07/29/2015 Payday loan Payday loan Received a loan I didn't apply for Received a loan I didn't apply for I received a credit to my bank account in the amount of {$350.00} for an on-line loan that I DID NOT apply for from Lendgreen. Then a debit went through the bank for {$150.00} for payment on the loan ( which I did n't apply for ) I contacted the bank and they instructed me to contact Lendgreen which I did. They verified with me that they did not have an account for me. ( thats why I called them ) They then verified with the bank that these transactions took place. They then informed me that they could not or would not do anything until I filed a fraud report with my local police department and fax or email them a copy. I filed the report and am awaiting a copy from the Sheriffs Dept. \n Company believes the complaint is the result of a misunderstanding LDF Holdings, LLC MN 553XX Older American Consent provided Web 08/05/2015 Closed with explanation Yes No 1492775
269506 07/29/2015 Payday loan Payday loan Received a loan I didn't apply for Received a loan I didn't apply for I received a credit to my bank account for {$350.00} for an on-loan for which I DID NOT apply from Lendgreen. Then there was a debit made to my account for payment in the amount of XXXX against this. I contacted my bank who instructed me to contact Lendgreen. I did this and was told by them that I did not have an account with them. ( that is why I called them ) They then told me that they could not or would not reverse these entries until I filed a fraud report with my local police. I have done so and am awaiting a copy of the report from the Sheriffs Dept. \n Company believes the complaint is the result of a misunderstanding LDF Holdings, LLC MN 553XX Older American Consent provided Web 08/05/2015 Closed with explanation Yes No 1492776
269554 07/29/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine I am getting letters and phone calls from 'First National Collection Bureau Inc ' stating I owe money from a XXXX XXXX XXXX XXXX from 2007 which I never opened nor did I ever have. They are telling me they ca n't turn me into collections but I need to pay them. They have my social security number and address and it 's terrifying- I have no idea who they are, and it sounds like they just want my credit card information. \n Company believes it acted appropriately as authorized by contract or law First National Collection Bureau, Inc. KS 662XX Servicemember Consent provided Web 07/29/2015 Closed with explanation Yes No 1492951
269688 08/05/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine I received a service from XXXX XXXX. They did not correctly bill the insurance company. The insurance company and I have contacted them on several occasions to get them to submit the bill correctly. Alternatively, I can submit the bill, but the bill that XXXX XXXX is sending me is for a service that I did not receive at a price that has not been submitted to the insurance agency. To date they have not billed the insurance agency at the proper address. I was telephonically contacted by American Collections XXXX regarding this debt. When they contacted me I advised them that they needed to contact me in writing and that the debt was not valid. To date they have not contacted me in writing and they have submitted this debt to the credit agency. I contacted Washington XXXX XXXX several. They state that they can not issue a letter stating that the debt was erroneously sent. When I reviewed the debt with the insurance agency it became apparent that they were billing me for services that had not been received. The insurance company has been made aware of this but as the agency is refusing to bill them for the services the matter is not insurance fraud. \n Company chooses not to provide a public response American Collections Enterprise, Inc. MD 207XX Servicemember Consent provided Web 08/05/2015 Closed with explanation Yes Yes 1502880
269888 07/23/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Two weeks ago, we started getting calls from Stellar Recovery from XXXX instructing us to call XXXX. When these calls come, no one is mentioned by name to call them back. We have not received any mailed past due bill regarding this fact. Back in 2008, we took a loan to pay off any outstanding bills-some of these were past due. Since this we have strived to make every payment on time. I have excellent credit scores. We have not called the number per warnings from other victims of this company. I was going to write them, but I do not have their address. I have already turned in a complaint to the FBI online. This seems like a scam to me. Please see what you can do and kindly give me a call at XXXX of a reply to this email. Thank you for your time and consideration ... XXXX \n Company believes it acted appropriately as authorized by contract or law Stellar Recovery Inc. MI 486XX Older American Consent provided Web 07/23/2015 Closed with explanation Yes No 1482642
269893 08/05/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid I was admitted to emergency after an accident. Information was taken but my name was not spelled correctly so it was rejected and a bill was sent in the wrong spelled name not my name. I called and notufied them and the onsurance company. When submitted to my insurance company it was first denied because of wrong spelling not me. It was later submitted with correct spelling and was paid in full by my insurance company with correct spelling. I have not received any billing since paid in full through XXXX and insurance company. This should be removed from my XXXX credit report. \n Company chooses not to provide a public response CMRE Financial Services, Inc. CA 900XX Older American Consent provided Web 08/10/2015 Closed with explanation Yes No 1503653
270134 08/24/2015 Debt collection Mortgage False statements or representation Attempted to collect wrong amount ( 1 ) The quick and dirty is my house was foreclosed on in XX/XX/XXXX. In XX/XX/XXXX Wells Fargo entered a settlement agreement with the State of MD because they improperly foreclosed on thousands of MD residents. I received a check from that settlement. Fast forward to XXXX XXXX, I get notice that I am being sued for the same property and that I owe XXXX to XXXX XXXX, who bought the rights from Wells Fargo. XXXX XXXX got a default judgment in XXXX XXXX. I appealed and got the judgment vacated in XX/XX/XXXX, in part, because I was still XXXX when served and needed time to determine why I was being sued. I explained to the Plaintiff 's attorney that the suit did n't make sense. If anything, I should be suing Wells Fargo for the improper foreclosure but I just wanted to move on. The hearing is scheduled for XX/XX/XXXX, in XXXX County, Maryland. \nI do n't know what my rights are, but I find it problematic that the company that admits that they improperly foreclosed on homeowners and paid me a settlement for wrongfully doing that can now try to sue me for the difference or transfer that right to another in a transaction that was likely improper. It defeats the purpose admitting you are wrong by paying {$2000.00} and saying you are sorry and than asking for that money back plus another {$140000.00}. \n Company chooses not to provide a public response Wells Fargo & Company MD 208XX Servicemember Consent provided Web 09/29/2015 Closed with explanation Yes No 1533313
270137 08/28/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I have never been contacted by the company claiming the debt and I have never requested or contracted any services from them. I saw them on my Credit report and they have never attempted to contact me and will not respond to my demands for proof of debt. \n Company believes it acted appropriately as authorized by contract or law Lien Enforcement Inc CA 921XX Servicemember Consent provided Web 08/28/2015 Closed with explanation Yes No 1542751
270167 07/23/2015 Student loan Non-federal student loan Can't repay my loan Can't decrease my monthly payments I went to XXXX University from the fall of XX/XX/XXXX to XX/XX/XXXX. I decided to apply for student loans with Citibank because they were one of the only loan companies that I could get a loan through with my credit and a cosigner. Since graduating XX/XX/XXXX they have sold off some of my loans to XXXX and kept the majority that had very high interest rates. They allowed me to put them in a forbearance for a certain amount of time but once that time was up I was not able to defer them any longer. I had to jump through hoops to get them to put them into a forbearance while I was away for XXXX and would n't have access to electronic devices to be able to pay my bill. I did not get a good job out of college and have struggled thus far to be able to pay the {$430.00} monthly payment that they offer no other payment plan for. This is on top of a {$120.00} payment to discover and almost {$200.00} to federal loans. I fell behind on my payments and they would call me at least XXXX times a day ( from various phone numbers ) starting at XXXX central time and not letting up until XXXX or XXXX. I also received at least one letter a week demanding payment and have a stack, almost an inch thick, of letters from them, my co-signer also received these letters. This was not only stressful and humiliating, but it was also depressing and made me regret ever going and getting a college education. I have recently had to take out a small personal loan to get caught up on the payments, but was unable to even get a loan for more that XXXX dollars because of the negative impact the Citi Student loans had on my credit score. They are unwilling to negotiate a lower payment amount and I ca n't find anyone that would even consider consolidating loans from them. Their associates are much less than pleasant to speak with and leave me feeling like I have no self worth after talking to them. Overall my college education feels like a disappointment because the job market is not that great, and I 'm stuck with student loans from a company that 's money hungry and unwilling to make any kind of compromise with their customers. \n Company chooses not to provide a public response Citibank TX 750XX Servicemember Consent provided Web 07/23/2015 Closed with explanation Yes No 1482778
270434 07/23/2015 Debt collection I do not know False statements or representation Attempted to collect wrong amount I received a letter from Commonwealth Financial Systems stating that I owed money to : XXXX XXXX XXXX Services in the amount of XXXX. The letter stated that they had purchased the account and if I considered the debt valid they requested payment. They further stated that if I failed to let them know in 30 days that I disputed the validity of the debt they would consider the debt valid. They also called to request payment and asked for last XXXX digits of my SSN. I told them I do not give out information on the phone. They have a spot on the letter for you to fill out your credit card information and offer XXXX automated payment. They push hard for payment and are hoping you just pay it right away without taking the time to research it. Obviously, XXXX XXXX XXXX is not a real company and the debt was not owed but they sure make you feel like it is. \n Company believes it acted appropriately as authorized by contract or law Commonwealth Financial Systems, Inc. RI 028XX Older American Consent provided Web 07/23/2015 Closed with explanation Yes No 1482889
270618 07/23/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I received a letter on the XXXX of XXXX stating that I owed {$2000.00} to XXXX @ XXXX I do not know these people and do not owe anything.The collection agency is " NCC BUSINESS SERVICE INC.Located at XXXX XXXX XXXX. XXXX XXXX, XXXX, fl.XXXX Phone number XXXX. \n Company chooses not to provide a public response NCC Business Services, Inc. CA 925XX Older American, Servicemember Consent provided Web 07/29/2015 Closed with explanation Yes No 1482993
270717 08/05/2015 Debt collection I do not know Improper contact or sharing of info Talked to a third party about my debt I received a call from Southwest Credit Systems at XXXX XXXX, XXXX. The representative I spoke with did ID the company. The representative also provided the last 4 numbers of my Social Security Number and a mailing address of mine. No info was verified at that time. I advised the representative that this is a violation of FDCPA. I termed the call. Redialed the company at XXXX - asked the 2nd rep that the call be recorded - attempted to advise rep of the incident of the initial call, rep cut me off to verify info that I refused to provide due to initial incident, advised rep that I would like to finish what I was saying and rep continued to cut me off. I would like to submit a FDCPA violation on Southwest Credit Systems with the FTC/CFPB as the company provided sensitive information such as my social security number. This is information that I am to provide during a verification process - \n Company believes it acted appropriately as authorized by contract or law Southwest Credit Systems, L.P. MO 640XX Servicemember Consent provided Web 08/05/2015 Closed Yes No 1505010
271220 08/05/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I have received a XXXX/XXXX/2015 letter and various phone calls from Central Credit Services, LLC attempting to collect a debt from XXXX in XXXX. These are most likely about a XXXX services accrued in a Bundled service. I have statements from XXXX showing that the statements are paid in full. I previously filed a complaint with the FTC regarding this manner and I thought it was taken care of. Now I am receiving bills at my new location in XXXX. \n Company chooses not to provide a public response Radius Global Solutions LLC AZ 863XX Older American Consent provided Web 08/12/2015 Closed with explanation Yes No 1504371
271429 07/23/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine The collection agency has received information from a dentist regarding an outstanding debt which does not belong to me.The collection agency was notified by me through an email, that the debt instead is owed by my son.Their response was the debt will be reduced, however, it does not address the fact that the debt is not mine and I did not cosign anything.The dentist office says its in the hands of the collection agency. \n Company chooses not to provide a public response Capital Accounts, LLC MD 208XX Older American Consent provided Web 07/23/2015 Closed with explanation Yes No 1483399
271486 08/24/2015 Debt collection I do not know Communication tactics Frequent or repeated calls Received a call from PENN CREDIT. I do not know who that is and have never done business with the company. There was no person on the other end when I answered the call. They continue calling several times a day including Sundays. I no longer answer the phone when their number and name appears. This has been going on for months and I am sick of it. We are elderly and my wife is in stage XXXX of XXXX. Can you do anything to get the calls stopped? Thank you. \n Company believes it acted appropriately as authorized by contract or law Penn Credit Corporation FL 339XX Older American Consent provided Web 08/24/2015 Closed with explanation Yes No 1533935
271509 08/24/2015 Debt collection Medical Communication tactics Used obscene/profane/abusive language My name is XXXX XXXX and I would like to file this complaint against Grant and Weber. The way they have treated me these last 5 months is completely shameful and they have caused me plenty of grief and have left me feeling complete despair. \n\nI recently found out that there was a judgment on me for my deceased husband 's medical bills. I became real ill because I have no money. My mother saw this and said she would give me money to try and settle this debt. Because of this, these last 5 months I have been attempting to settle this old debt that my deceased husband left me with. Grant and Weber has the judgment against me and my deceased husband. My husband died many years ago and I am XXXX years old and have been living on nothing but social security for many years. I have n't worked in nearly 20 years. The only thing I have left of value is the home my husband left me with. \n\n5 months ago I initially communicated with an XXXX XXXX about this account and she told me that this judgment was {$11000.00}! Upon hearing this I was mortified. The original amount owed to the hospital was {$4700.00} dollars and even after reviewing the documents there was only {$800.00} in attorney fees. When I spoke with her she said that they wanted {$9500.00} and nothing less. \n\nUpon hearing this I was distraught. I do n't have any money and I ca n't come up with {$9500.00} so I decided to talk to someone who may be able to assist me. I spoke with an individual named XXXX XXXX who attempted for months to negotiate with Grant and Weber. He spoke with XXXX XXXX, XXXX XXXX, another individual named XXXX, and an XXXX XXXX. They kept giving him numbers until XXXX XXXX finally told him {$8500.00} bottom line. Now when he calls they say they do n't even have records of that number. How convenient. \n\nDuring these last months I have borrowed money from my mother, from my feonce, and have sold many possessions I held dear just to try and come up with the amount I was told. In the end I came up short. I was only able to acquire {$7200.00}. I have nothing left to give and no one else to ask for money. When my representative called to offer that amount is when things with Grant and Weber got ugly. \n\nHad Grant and Weber simply said no I would have been OK with it. Distraught but OK with it. What I am not OK with is the things they said. I heard the conversation XXXX XXXX had with the representative and I was appalled at the way XXXX XXXX XXXX dealt with this matter. Truth be told, he was very cordial initially but towards the end he said some very hurtful things. \n\nIn the conversation, XXXX XXXX XXXX implied and then later stated that I could beg for money to pay this bill. As a 64 year old woman living on social security I was very hurt at the notion of being told to beg for money. He also stated that I was offered {$50.00} a month years ago to pay this debt and that is why they would n't lower the amount. That 's not true. Furthermore, he wanted to make an example of me. He stated that they would n't lower the balance because he was " calling my bluff '' whatever that means. he also stated that " he does not reward people for not paying promptly. '' He even gave an example of how when people go get a XXXX XXXX credit card you do n't get rewarded for paying late. \n\nThis debt is from my husbands medical bills right before he died. I was solely dependent on him and I do n't have money to pay them with. I do n't know what all the laws for collecting are but you should not be able to belittle people by saying they should beg for money to pay their bills. Also, they should n't be punished now simply because they could n't pay their bills in a timely fashion when they were completely destitute. I understand this may not help me in the settlement, but these people should not be allowed to disrespect and belittle people in their time of need. Thank you for looking into this for me and god bless you \n Company can't verify or dispute the facts in the complaint Grant & Weber CA 933XX Older American Consent provided Web 08/24/2015 Closed with explanation Yes No 1533939
271669 08/25/2015 Debt collection Mortgage Cont'd attempts collect debt not owed Debt is not mine XXXX XXXX I purchased ( paid cash ) a home from H.U.D. I use the home as a XXXX residence in XXXX. In XXXX when I arrived back at the home, it had been broken into and secured by XXXX, XXXX XXXX, I found a paper taped to the outside of the door exclaiming " The mortgage servicer intends to protect this property from waste and/or deterioration ''. Please keep in mind I paid cash for this property and there was no mortgage!! The new door I had replaced in XXXX had been kicked open, the ( new XXXX ) storage shed had also been broken into and doors damaged. They did not take anything and they only replaced the locks on the damaged door at the house and shed. So they did not " fully '' secure it, they knew they were wrong!! The note also stated if not vacant or abandoned to call immediately. This note was on the outside of the door, they also left a bigger note on the inside window to be viable from the outside regarding whom to contact ( XXXX ) in case of vandalism or city ordinance violations..This note also clearly stated " XXXX DOES NOT HAVE SALE/RENTAL INFORMATION '' I called the number provided on this poster and they asked for the address and my mortgage companies name..When I advised I did not have a mortgagee on this property I paid cash to HUD they would not give me any info as to whom authorized the break in to secure it. I even threatened to call the police to no avail. It was as if they were protecting their client from being identified. They would not give me the name of the mortgage company allowing me to make contact. I had to research the county records to find out whom the previous mortgage holder was. I found FlagStar Bank had held the previous mortgage so I called XXXX and when they asked whom my mortgagor was I told them Flagstar bank, they then confirmed that it was Flagstar Bank that I need to make pay or make arrangements with. I contacted the assistant to the President of Flagstar and was told I would need to file a request on XXXX of their forms and they would get back to me. I then informed him no way in heck was I going to file a claim on XXXX of their stupid forms and they better darn well pay for my damages that they had caused to be done or I 'd file suit against them. To make this short he did agree to check it out and they did finally admit their wrong doing but would n't offer what I thought was a fair offer regarding my damages. I have started a legal suit against them. My concern is how many times have they already done this and/or how many more times will they repeat it? You folks ( Consumer Financial Protection Bureau ) fined this same bank XXXX XXXX dollars for their improper mortgage practices in XXXX of XXXX. File No XXXX. Yet they seem not to care, The excuse I was given we are in the process of changes some of our policies and this must have slipped through the cracks. This is suppose to be a Financial Institution that follows the legal banking rules and regulations? Attempting to repossess a property XXXX for the same loan that they had already gone through the process of returning it for the government loan guarantee and HUD had already resold. I ca n't believe they could be so incompetent, especially after being fined ( evidently a small enough amount that it did n't make a difference to them ) XXXX XXXX dollars for what I would call similar practices regarding handling mortgages! \n Company chooses not to provide a public response Flagstar Bank AZ 851XX Older American Consent provided Web 08/25/2015 Closed with explanation Yes No 1534563
271679 08/18/2015 Debt collection Mortgage Cont'd attempts collect debt not owed Debt was discharged in bankruptcy I became XXXX by illness XX/XX/XXXX. All my reserves were spent on medical costs. Missed a payment on my mortgage XX/XX/XXXX. Rec 'd notice of intent to foreclose from Countrywide XX/XX/XXXX. Vacated the house, in anticipation of foreclosure. Filed bankruptcy XX/XX/XXXX, discharged XX/XX/XXXX. Bank of America completely disregarded the bankruptcy and continued to try to persuade me to pay the mortgage, until XX/XX/XXXX, when they sold the mortgage to XXXX. XXXX continued to send me statements on a nonexistent mortgage. Both companies applied homeowners insurance to the property and told me I was responsible for that debt, too. Bank of America went so far as to put retroactive homeowners insurance debt on the property, dating back to at least a year before I stopped paying the insurance myself ; also dated before the bankruptcy by 4 months. They applied an {$11000.00} lien onto the mortgage, as well. I contacted the Comptroller of the Currency with my complaint with complete detail and, after many months was told that I still needed to pay Bank of America, regardless of the bankruptcy. This week I received a letter from something called XXXX XXXX XXXX, which claims to be working for XXXX. It appears they are starting the whole process of trying to collect on a loan that does n't exist. I am still XXXX and unable to work. Every month is a struggle to make the Social Security XXXX, now Social Security due to my age, last more than a few days into the month. These banks need to leave me alone. Bank of America should never have sold this nonexistent mortgage. I communicated all of this information to Bank of America, countless times, and then, to XXXX. Every time I receive a communication from these people, I am reminded of everything I 've lost due to my illness. The grief is unending. I do n't need to be harassed by banks that must have real business to attend to. \n Company chooses not to provide a public response Bank of America AZ 856XX Older American Consent provided Web 08/18/2015 Closed with explanation Yes Yes 1523587
271711 08/11/2015 Debt collection I do not know Communication tactics Frequent or repeated calls repeated unwanted phone calls \n Company believes it acted appropriately as authorized by contract or law Aargon Agency, Inc. VA 221XX Older American Consent provided Web 08/12/2015 Closed Yes No 1513877
271761 08/18/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine I had hade a XXXX, and a company XXXX XXXX remote services had sent me a XXXX that would check my XXXX once a month, I received notice the XXXX was discontinuing this service and for me to send the equipment back to them, which I did. For the next few months I would get a phone call from XXXX calling to check my XXXX, I explained that I had returned the equipment at the request of the company. \nEvidently they were still billing XXXX and of course they would not pay because they were not providing the service any longer. \nAnd XXXX started trying to collect from me. I had explained that I no longer had the machine nor was there any service provided. \nBut it fell on deaf ears. I filed the paperwork necessary to prove my claim several times, but to no avail. I am at my wits end as to how to make this collection claim go away. It is not a lot of money about {$60.00} I think, but it is the principle od it I do not owe it. \nI have contacted the collection agency several times and they tell me that they can not provide me with the original bill, as XXXX has gone out od business. I feel tat this is some sort of scam and I need your help to resolve it. \nThank you, \n Company believes complaint caused principally by actions of third party outside the control or direction of the company NRA Group, LLC MA 021XX Older American Consent provided Web 08/21/2015 Closed with non-monetary relief Yes No 1523607
272117 08/28/2015 Debt collection Credit card Taking/threatening an illegal action Seized/Attempted to seize property They took an illegal action. After agreeing to pay a monthly payment of {$100.00} per month. They withdraw {$500.00} during the second month even though I paid on time. is this a violation to the fair debt collection act or the Electronic Fund Transferred Act? XXXX however my bank did refund the charges. I am now afraid to deal with this law firm. \n Company chooses not to provide a public response Nathan & Nathan, P.C. AL 351XX Servicemember Consent provided Web 09/04/2015 Closed with explanation Yes No 1543184
272347 08/18/2015 Debt collection Credit card False statements or representation Indicated shouldn't respond to lawsuit When I was visiting my investment properties in XXXX, XXXX, XX/XX/XXXX an attorney attempted to serve me with a court order to answer the claim of XXXX XXXX outstanding credit card that I supposedly owed. I answer the court order, explaining that I could not attend any court hearings in XXXX due to my employment obligations in XXXX. I have been a XXXX resident for the last XXXX years and only occasionally visit XXXX, XXXX to conduct on site examinations of my investment properties. Another Court hearing was rescheduled by the Plaintiff attorney. XXXX XXXX XXXX request to XX/XX/XXXX. I again answered the Court Order, explaining that there was no way I could attend the hearing, due to the same reason, my employment in XXXX. Well the hearing was conducted without my presence, and the Plaintiff appealed to the Judge for judgment against me. Judgment was granted, and a lien was recorded against my real estate for {$2700.00} dollars. During the course of this fiasco the Plaintiff produced modified XXXX XXXX statements to the court for viewing, for the years XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX all showing my billing address to be XXXX, XXXX. During those years I had never lived in XXXX and to this day I have never lived in XXXX, for more than XXXX months at a time. \nOn XX/XX/XXXX I presented a request to the Court, to have the Court Order dismissed and the lien removed, based on the following facts ; that the hearing was presented in the wrong judicial jurisdiction, submission of inaccurate bank statements falsely representing Defendant 's residence, and the expiration of the Statute of Limitations of XXXX Laws governing written contracts to be XXXX years, not XXXX years like in XXXX. Also there was never a mention of the arbitration clauses that were presented in the XXXX XXXX contract with the Defendant as possible options for settling the debt. \nIn closing I would like to say that throughout these proceedings XXXX XXXX XXXX XXXX ignored my pleads of defense and at the end acted unethical in his actions and demeanor to have this case won in his favor. Again the arbitration clauses were never brought up. \nI can produce additional supportive documents if necessary to prove my claims. \n Company chooses not to provide a public response Javitch, Block & Rathbone LLC CA 926XX Older American Consent provided Web 08/27/2015 Closed with explanation Yes Yes 1525111
272590 08/29/2015 Student loan Non-federal student loan Dealing with my lender or servicer Trouble with how payments are handled I was mandated to make monthly payments to Genesis Lending on my private student loans while attending classes at XXXX XXXX, XXXX, NV. From XX/XX/XXXX thru XX/XX/XXXX my monthly payments ranged from $ XXXX {$150.00}, for a total amount exceeding {$1300.00}. I was aware that such practices were prohibited while attending classes, however, should I failed to make payments I would have been barred from classes. \nI would like to be reimburse for those funds. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Genesis Lending NV 891XX Servicemember Consent provided Web 08/29/2015 Closed with explanation Yes Yes 1543761
272611 08/06/2015 Debt collection Credit card Communication tactics Threatened to take legal action XXXX my mom and grandma handles my bills and calls. My grandma tryed to make payments do to we cant pay my bill in full and he said no he needs to pay the XXXX then later told her XXXX then XXXX and now also told her i will be arrested and it will be a XXXX dollar fine and will need a bail bond then to get me out of jail. Then refused to talk to her now and said after he told her i have till XX/XX/XXXX to pay it turned around and said i have to push this threw that i will not speek to her anymore and i have XXXX hrs to respond. He has called multiple times even when im at work and has even called at XXXX before. I find the treats offensive with the jail time the refused to take payments when we tryed to work with him and even the backout of the date he told her on profesional and this is also illegel. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Sterling Jewelers Inc. OH 448XX Servicemember Consent provided Web 08/06/2015 Closed with monetary relief Yes No 1505454
272768 08/25/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I receive calls from a company called Penn Credit XXXX XXXX ALL week, 7 days a week ... from XXXX at night to XXXX on a Sunday morning. They claim I owe {$41.00} to XXXX XXXX House. This is NOT my debt. I called them and asked them to remove me from their call list yet they continue to call and harass me. The name of their company is PennCredit and phone # XXXX. \n Company believes it acted appropriately as authorized by contract or law Penn Credit Corporation FL 321XX Servicemember Consent provided Web 08/25/2015 Closed with explanation Yes No 1534803
273181 07/24/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt was paid Problem-Garnishment of Funds by Blatt, Hasemiller, LeibskerXXXX & Moore LLC for a XXXX account that had been settled. \n\nThe law firm of Blatt, Hasemiller, Leibsker & Moore LLC. BHLM garnished my income tax returns for an account that had been previously settled. I had already submitted the paperwork to them a few years back. After coming across that old documentation again, I re-submitted it to the law firm on today XX/XX/XXXX. On XX/XX/XXXX I received a letter in the mail stating that the firm did an investigation and can find no evidence that this account was ever settled or paid in full. I also was sent a copy of a Request and Writ For Garnishment ( Income Tax Refund/ Credit XXXX dated XX/XX/XXXX I never received. I do have a copy of the Request and Writ For Garnishment ( Income Tax Refund/ Credit ) that I had received and do n't understand why there are now two. \n Company believes the complaint is the result of a misunderstanding Blatt, Hasenmiller, Leibsker & Moore, LLC MI 481XX Servicemember Consent provided Web 07/30/2015 Closed with explanation Yes Yes 1486386
273638 09/05/2015 Debt collection Federal student loan Improper contact or sharing of info Contacted employer after asked not to I have only been at my current job for XXXX months at XXXX months I received notice that my wages were going to be garnished and I contacted allied who is the collection agency and told them they were n't supposed to garnish my wages until I had been at my job for XXXX months they called me a liar and continued with the process if garnishing 15 % of my wages ... At XXXX months at my position I called them again to tell them they need to stop garnishment and I wanted to set up a payment plan ... They gave me XXXX fax numbers that did n't work as a means to give them my tax forms to work out my payments and sisd they would contact my payroll department and stop the garnishment and they still have not done so. \n Company chooses not to provide a public response Allied Interstate LLC AZ 852XX Servicemember Consent provided Web 09/05/2015 Closed with non-monetary relief Yes No 1553780
273691 09/05/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Neighborhood Association ( through NRA Collections, XXXX, PA ) attempting to bill for illegal, arbitrary, and excessive debts, without due process and verification of authority -- that is, no covenants and restrictions at this association, as they expired in 1990, confirmed by XXXX XXXX XXXX, XXXX County NC. \n Company believes it acted appropriately as authorized by contract or law NRA Group, LLC NC 273XX Older American Consent provided Web 09/05/2015 Closed with explanation No No 1553792
273925 08/12/2015 Debt collection Medical Disclosure verification of debt Right to dispute notice not received They never informed me I had a right to dispute. I requested verification of debt and never received it. They continue to call me and say they will continue to attempt to recover debt that can not be verified. \n Company chooses not to provide a public response Radius Global Solutions LLC MD 207XX Servicemember Consent provided Web 08/12/2015 Closed with explanation Yes No 1515119
274020 08/12/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt was paid I remember paying off best buy credit card last year then all of a sudden I owed them like a XXXX dollars. I gave them the benefit of the doubt and paid it again. Now the same thing is happening where I supposedly owe them funds and its non sense. I paid them off. The credit rep tells me it bounced several months ago and the best buy rep that details purchases and credit card statements does not see where or why I owe money. \n\nXXXX reps are baffled as to why the payments are leaving as a check ... I never wrote them a check. \n\nSomething criminal is happening here. \n Company chooses not to provide a public response Citibank NY 112XX Servicemember Consent provided Web 08/12/2015 Closed with explanation Yes No 1515164
274110 09/06/2015 Payday loan Payday loan Payment to acct not credited Payment to acct not credited the pay day loan name cash net usa XXXX XXXX XXXX and I have a loan through them they took the money from me from the same account and this month they sent it back and it was return to my bank that they have my account number this cash net usa and me and my bank do n't know why they return it when it belongs to them they know they have to take it out of the saving account cause I am a scam victum which people got a hold of my account and took money out of there without my permission..they ask u for your last SSN and I tell them XXXX and if u could help me by telling them they need to resend that so my bank can get this payment to them that they sent back to them u can look it up and they want probably my email address it is XXXXXXXXXXXX my phone that 's on my account is XXXX its not working but that it was told to them and I give my cell phone to them XXXX I would like for u to help me to have them take that payment out cause I do n't want it back in there when they sent it back they have the information all they have to do is ask for the saving account which they have and they took it out on the same numbers they have they are trying to cause problems and I do n't want that yours truly XXXX XXXX u can call the bank and they will tell u to XXXX ask for XXXX she takes care of it \n Company disputes the facts presented in the complaint Enova International, Inc. OH 458XX Older American Consent provided Web 09/06/2015 Closed with explanation Yes No 1554004
274377 08/12/2015 Debt collection I do not know Communication tactics Frequent or repeated calls Over the last XXXX days I have received a minimum of XXXX calls from Allied Interstate. When I answer the calls I get hung up on. My longest " conversation '' has been XXXX which consisted of them telling me who they were and that the call can be monitored. I am unable to find out exactly what debt this is in regards to since they hang up. \n Company chooses not to provide a public response Allied Interstate LLC IN 475XX Servicemember Consent provided Web 08/12/2015 Closed with non-monetary relief Yes No 1515318
274395 08/12/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Lustig, Grayson and Wilson leaves a recorded message on my telephone twice a week saying to call them to discuss my account. I do not have any outstanding debt, I have seen all XXXX of my credit reports stating this. I have been advised by the Massachusetts Attorney General 's Office to not call these people. I would like them to stop calling and leaving their messages. \n Company believes complaint is the result of an isolated error Lustig, Glaser & Wilson, P.C. MA 020XX Older American Consent provided Web 08/19/2015 Closed with explanation Yes No 1515334
274665 09/07/2015 Debt collection Federal student loan Cont'd attempts collect debt not owed Debt was discharged in bankruptcy Response to your 3rd Party Collector Letter of Threat by Mail. \nThe indictable offense of using the mails for the transmission of threatening matter. XXXX XXXX XXXX XXXX XXXX. \nXXXX XXXX, XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ( XXXX ) XXXX XXXX : XXXX XXXX XXXX XXXX XXXXDear 3rd Party Collector, As I have NO Contract with you, you have threatened me by mail and if you proceed any further I will see you in court under charges of Mail Frauds and Threats. As of today I have presented a Credit Set-off Settlement to the " XXXX '' for the full billing amount, along with an IRS XXXX in full compliance with the XXXX Laws XX/XX/XXXX. They have 3 days to comply. \nIf they should decide not to settle this matter I shall see them ; not you in court. For the fore mentioned charge of Mail Frauds. \nThank you for your timeHonorably, XXXX XXXX XXXX \n Company chooses not to provide a public response Windham Professionals DE 197XX Servicemember Consent provided Web 09/14/2015 Closed with non-monetary relief Yes No 1554161
274709 08/25/2015 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect APPLIED FOR PAYDAY LOAN FROM WHITE HILLS CASH AND XXXX BOTH COMPANIES HAVE CHARGED OUTRAGIOUS INTEREST RATES. UNABLE TO PAY THESE. \n Company believes it acted appropriately as authorized by contract or law GVA Holdings, LLC PA 189XX Servicemember Consent provided Web 09/01/2015 Closed with monetary relief Yes No 1535419
274884 09/08/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount Amshire Collections is attempting to collect a fabricated amount even though I have made due effort to make them aware of that. In XXXX 2012 I contacted XXXX XXXX to cancel my account because I thought their services were outrageously overpriced. The account representative said she would apply a " loyalty '' credit to my account, thus locking me in a XXXX month contract without consent. Upon canceling my account I was notified that I would need to pay a {$170.00} contract termination fee for a contract that I never entered. Amshire Collections has failed to provide me with any proof that XXXX XXXX had any sort of a contract with me to validate this fee or an itemized statement breaking down the charges that I owe. \n Company believes it acted appropriately as authorized by contract or law Amsher Collection Services, Inc. IN 479XX Servicemember Consent provided Web 09/08/2015 Closed with explanation Yes No 1554834
274892 08/18/2015 Debt collection Mortgage Cont'd attempts collect debt not owed Debt was paid On XXXX XXXX, XXXX I entered into a real estate installment contract with The XXXX XXXX for the purchase of a mobile home. The amount financed was XXXX and the interest was@9.50 % totaling a finance charge of XXXX for a contract total of XXXX. At some point in XXXX XXXX sold This contract to Green Tree Servicing. I received notice of this via a monthly statement from GT. I continued payments never missing one payment and incurring a late charge. On XXXX/XXXX/XXXX I received a notice from GT That my loan was seriously delinquent and I phoned GT and spoke to a XXXX XXXX who reviewed my account and informed me that my loan was, in fact, paid in full. She further stated that there was an error in the interest calculations. I made a total of XXXX payments totaling XXXX against a contract total of XXXX resulting in an over payment of XXXX. I therefore cancelled my last payment of XXXX and expected this matter to be taken care of. In XXXX of XXXX I spoke to a manager named XXXX XXXX who informed me that the error was recognized and would be corrected and written off. I heard nothing more from them until I received a letter from them dated XXXX/XXXX/XXXX stating that I owed them XXXX. I contacted the number on the letter and was informed that my account had been turned over for collection. They would not listen or accept any information to the contrary and wanted their payment. I refused to pay a debt that I did not owe. I called for XXXX XXXX, XXXX XXXX and a lady named XXXX and was unable to get in touch with anyone. Next I started receiving a multitude of calls from various collection agencies and explained to each of them that I did not owe this " debt '' finally the calls stopped. Today I received a letter from GT That showed a new creditor XXXX. and that it was an attempt to collect a debt. This is the operable straw that broke the camels back. Enough is Enough.I do not owe these people any money! If I had any inkling or could be shown any documentation that I did I would have paid them a long long time ago. \n Company believes complaint is the result of an isolated error Ditech Financial LLC TX 762XX Older American Consent provided Web 08/18/2015 Closed with non-monetary relief Yes No 1524679
274939 08/18/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine Account Resolution Services ( ARS ) has been calling my cell phone on and off for the past six months in an effort to collect a medical debt that is owed by the person who was previously assigned to the cell phone number that I now have ; that cell phone number was randomly assigned to me by XXXX on XXXX XXXX, when I purchased my new cell phone from them. I do not know who that person is ( they are trying to contact ) nor his whereabouts. I have on numerous occasions asked ARS to stop calling my newly issued cell phone number, but they laugh at me and tell me to have a nice day. I have previously filed complaints with the cfpb, the OH AG 's office, and the DNC registry ; yet, ARS continues to call my cell phone number. For example, they have called my cell phone number five times so far this month - and, we are barely past mid-month. I am XX/XX/XXXX and consider these calls to be harassing and a form of XXXX abuse. \n Company believes it acted appropriately as authorized by contract or law HCFS Health Care Financial Services, Inc. OH 450XX Older American Consent provided Web 08/19/2015 Closed with explanation Yes No 1523224
275301 07/30/2015 Debt collection Credit card False statements or representation Attempted to collect wrong amount I got a phone call this afternoon from a XXXX XXXX. She represented herself as the attourney for Consumer Asset Management. \nHer claim was that I owed XXXX $ on a credit card. I explained to her that that was impossible as the credit card she was referring to was in fact closed and was closed with a XXXX ballance. \nI asked her about the original creditor to find this information out. \nDuring the call she told me that unless I paid today they would be filing a lawsuit to garnish my wages in my current county. \nI again told her that this was not correct and got her information. \nI emailed the contact for Consumer Asset Management and they informed me that there was a company with a similar name in texas that was most likely using there name to do something illegal. \nI also contacted my creditor and confirmed that the card had been closed and had a XXXX ballance. \nI call XXXX XXXX back at XXXX ext. XXXX. \nShe again tried telling me I owed money only this time telling me that they would accept XXXX {$.00} \nI informed her that I had contacted my creditor and that they in fact confirmed that they were in good standing. \nAt this point she told me to hold while she went to get my file and hung up on me. \n Company believes complaint represents an opportunity for improvement to better serve consumers Consumer Asset Management (Texas) TN 371XX Servicemember Consent provided Web 07/30/2015 Closed with explanation Yes No 1495310
275489 08/19/2015 Debt collection I do not know Communication tactics Threatened to take legal action Contacted by collection agency, regarding debt that is well past the Statute of Limitations for Oklahoma ( my state of residence. They have contacted my son on several occasions, using language that indicated this is a serious legal matter requiring my immediate attention. They do not identify who they are and the purpose of the call. \n Company believes complaint represents an opportunity for improvement to better serve consumers SCV Inc. OK 741XX Older American Consent provided Web 08/19/2015 Closed with explanation Yes No 1525632
275531 09/08/2015 Student loan Non-federal student loan Dealing with my lender or servicer Having problems with customer service I was a student at XXXX University in XXXX, CT. I returned to school to complete a XXXX certificate. I filled out paperwork to have my loans deferred. I was notified that paperwork had not reached XXXX XXXX XXXX. I gathered paperwork for them again and sent it to my financial aid advisor to send to the loan company XXXX which I still have the email chain of this conversation ). XXXX I was notified that the loan had never been deferred and was sent to collections XXXX Regional Adjustment Bureau XXXX. I have been trying to work with the school and the collections agency to explain that this never should have happened. I have been notified by my school that my financial aid advisor has been in and out due to medical concerns and that there are now other discrepancies with my financial aid. I feel as though the school has failed to do their jobs and now I am suffering at the hands of a collection agency. I have tried to take out a private loan for the balance in collections, however I have been denied. I do not know where to go from here, please help! \n Company believes complaint caused principally by actions of third party outside the control or direction of the company The Regional Adjustment Bureau, Incorporated CT 063XX Servicemember Consent provided Web 09/09/2015 Closed with non-monetary relief Yes No 1555267
275612 07/31/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine this is a fraud case and I filed a fraud affidavit with the FTC and sent it to Financial credit, but they refuse to acknowledge the information and continue to collect and report adverse information on my credit report. I told them that I have never opened a gas service account and I never lived near or at the address they say the account was located. I was homeless or living in a VA home shelter for 10 years. I had no need for a utility. \n Company believes it acted appropriately as authorized by contract or law Financial Credit Network Inc ID 837XX Servicemember Consent provided Web 07/31/2015 Closed with explanation Yes No 1497451
275729 07/31/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid Experian continues years after paying all my medical off to report false information. I have contacted them, XXXX XXXX has contacted them. They continue to ruin my ability to secure financing. All the loans I have are high interest. Please make them stop reporting all my paid accounts as " no status ''. Thank you. \n Company chooses not to provide a public response Experian CA 902XX Servicemember Consent provided Web 08/03/2015 Closed with explanation Yes No 1496165
275739 07/31/2015 Debt collection Medical Taking/threatening an illegal action Threatened to sue on too old debt Medical billing failed to submit my doctors bill for XXXX. They filed the bill for the hospital, ( witch was paid by my insurance. And did not claim for the Doctors bill, until after 12 months, which was refused by blue cross, for untimely filling. I call the my insurance, who txt me I was not responsible for this bill, even knowing this they put me in collections. The insurance, XXXX, is sending me a letter, to explain it was the Doctors group, who is at fault but will not admit their mistake. \n Company believes it acted appropriately as authorized by contract or law Grant & Weber CA 930XX Older American Consent provided Web 08/07/2015 Closed with explanation Yes Yes 1496175
275772 09/08/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid I called Americollect in XXXX and asked how much I owed to pay off accounts in full. They offered me a settlement amount of {$790.00}. The original balance was {$990.00} XXXX but the they have consistently quoted me different balance amounts each time I called XXXX. The XXXX XXXX XXXX XXXX sent a check in for the amount of the settlement of {$790.00} on XXXX XXXX, 2015. That check was cashed by Americollect on XXXX XXXX or XXXX. I requested a receipt be mailed to me to show I had paid all debts. I was told I would receive it within 3 weeks and I did n't receive anything. Then I called on XXXX XXXX and spoke to XXXX, and XXXX on XXXX XXXX. On the XXXX XXXX confirmed that they payoff was received and I would receive a payoff letter in a week. I did not receive that. When I called back today, XXXX, I was told by XXXX that I still owed {$900.00} and they have no record of the settlement deal. \n Company believes it acted appropriately as authorized by contract or law AmeriCollect WI 541XX Servicemember Consent provided Web 09/08/2015 Closed with explanation Yes Yes 1555424
275828 09/08/2015 Debt collection Credit card False statements or representation Attempted to collect wrong amount I have been harassed and overcharged by XXXX since I opened the account in XXXX 2011. Now they have forwarded the account to Foster and Garbus LLP. \n Company believes it acted appropriately as authorized by contract or law Forster & Garbus LLP NY 111XX Older American Consent provided Web 09/11/2015 Closed with explanation Yes No 1555469
275859 07/31/2015 Debt collection Credit card Improper contact or sharing of info Talked to a third party about my debt Kay jeweler has contacted family and called in to my companies call center to get information. They have called me up to XXXX times a day from different phone No. I have asked them to stop contacting me several times and have made small payments on my account but they still harass me. \n Company believes complaint is the result of an isolated error Sterling Jewelers Inc. VA 223XX Servicemember Consent provided Web 07/31/2015 Closed with explanation Yes No 1496306
276069 08/06/2015 Debt collection Credit card Communication tactics Frequent or repeated calls XXXXXXXXXXXX Cards ServicingI have XXXX credit cards, with them I am now working with a XXXX XXXX XXXX NJ, Each day I receive XXXX calls, and when I block that number they call from a different number. I already over and over spoke and explained my situation and gave representatives the Number to the XXXX of NJ. \n Company chooses not to provide a public response Citibank NJ 079XX Servicemember Consent provided Web 08/06/2015 Closed with explanation Yes Yes 1505307
276089 07/31/2015 Debt collection Medical False statements or representation Attempted to collect wrong amount The XXXX unpaid medical bills on my report for a total of {$800.00} were paid back in XXXX 2015. I need this removed from my file please. \n Company disputes the facts presented in the complaint Collection Services, Inc. FL 325XX Older American Consent provided Web 08/12/2015 Closed with explanation Yes No 1496035
276366 07/31/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I did not know i can request an annual requested from XXXX to my dismay I then saw an entry from revenue system inc I then decided to call and inquire. I was told by a XXXX that NO RECORD FOUND he had me repeat name numerous times then transfer the call to a XXXX who is NOW XXXX who stated NO record found to read info on report and stated NO record to give phone # she will assist with credit report error. she XXXX XXXX called same day XXXX weeks a go in XXXX XXXX to say NO RECORD. I ask for the phone # of vendor, ac #, date of report and why the vendor NOR THEY NEVER wrote a LETTER to demand debt NOW UNABLE to give information an file this false report. I got NO ANSWER. She XXXX stated THIS WILL STAY ON THE REPORT I WILL NOT REMOE IT. I ASK FOR DETAIL INFOMATION AGAIN she XXXX XXXX stated if I continue to demand information I will NOT TELL YOU hung up. I then disputed the debt. \nI am in receipt of the report it stated that the DEBT is verified to be removed in XXXX XXXX. \nI then call the Revenue Systems Inc spoke again to XXXX he then acted extremely slow and asked same questions over and over again when I ask to speak to representative XXXX I was told that XXXX will call back that it is a Flood Insurance, ask for insurance co name, phone, detail of debt he REFUSE to provide. only XXXX can answer you. Upon calling back XXXX NOW stated that my husband took policy. I told her my husband died more then fourty years ago, NEVER CAME TO USA UNDER WHAT Authority SHE CAME To that CONCLUSION I WAS TOLD THAT I TOLD IT TO HER THAT HE TOOK POLICY AND HAS A LEGAL SIGNATURE ON THE DOCUMENT FOR FLOOD INSURANCE XX/XX/XXXX REQUEST AGAIN COMPANY NAME PHONE I WAS RUDELY TOLD SHE WILL NOT TELL OR GIVE ANY INFO AND IF I AM UPSET ABOUT THIS THAT IS JUST TOO BAD AND IF I CONTINUE TO ASK SHE IS GOING TO HANG UP AND THE REPORT STAYS. \nCHECK WITH FEMA I AM NOT IN A FLOOD ZONE. I AM A VICTIM OF FALE REPORTING FOR PERSONAL GAIN AND ABUSE OF FALSE REPORT WITHOUT MERIT, FAILURE TO PROVIDE EVIDENCE OR CONTACT MADE BY XXXX. PREDITORY AGENTS AND ACTED IN BAD FAITH UNDER THE FAIR CREDIT AND REPORTING ACT TO CAUSE HARM AND DENY ACCESS TO REASONABLE INSURANCE RATES WITH ANY COMPANY AND CAUSE INEBILITY TO GET CREDIT. THESE PEOPLE HAS DELIBERATELY ACTED TO CAUSED HARM TO ME. \n Company believes it acted appropriately as authorized by contract or law Revenue Systems, Inc. FL 333XX Older American Consent provided Web 08/20/2015 Closed with explanation Yes No 1497057
276449 08/19/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt was paid There was a judgement against me. My wages have been garnished. The debt is now paid plus legal fees have also been paid. My wages are still being garnished -- XXXX full paychecks past what I owe. I called Solomon & Solomon, PC. They said they would stop the garnishment, but they have not. I do not know what course of action to take to make this stop and get my overpayment back. I have called the sheriff, they said they can not help. I called the court clerk, they told me they can not give legal advice. \n Company chooses not to provide a public response Solomon and Solomon, P.C. MA 017XX Servicemember Consent provided Web 08/19/2015 Closed with non-monetary relief Yes Yes 1525753
276992 07/31/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Threatened to take legal action We lived in an apartment on XXXX XXXX XXXX in XXXX AZ for nine months while we were having our new home build at XXXX XXXX XXXX XXXX in XXXX AZ, we had XXXX this whole time and had XXXX move our service to our new home .I have been paying XXXX continued paying them each and every month sence we moved into our new home. XXXX XXXX of this month I found out that XXXX has been sending a closing bill to my old address, and because I never received this bill they turned me into collections for the sum of {$110.00}. It took me XXXX ours and talking to XXXX different people on hold between each XXXX of them before I got to the basis of this problem. They admitted that this was there fault but that I would have to pay the collection agency. So I called them and paid them over the phone in full. I have called several times to get this collection closed. XXXX has been very rude to me on the phone because I have demanded an apology letter from them and to close out the collection on my credit report. XXXX XXXX XXXX \n Company chooses not to provide a public response Radius Global Solutions LLC AZ 850XX Older American Consent provided Web 08/03/2015 Closed with explanation Yes No 1496051
277036 08/12/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt resulted from identity theft put a collection on my credit report.. I do not owe this debt. I live in XXXX Carolina and this is supposedly from California. I reported the identity theft to the credit agencies. these XXXX 's will not remove this from my credit. \n Company can't verify or dispute the facts in the complaint Focus Holding Company NC 283XX Older American Consent provided Web 08/19/2015 Closed with explanation Yes No 1515798
277429 08/01/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt resulted from identity theft I call XXXX customer service and told them my address XXXX, TX XXXX ends at XXXX the XXXX day of XXXX PREVIOUS BALANCE Payment Receive XXXX/XXXX/2014 {$26.00}, XXXX there lease agency told I had to move out this apartment on XXXX XXXX, 2014 at XXXX. I move with XXXX and call and told XXXX customer service to disconnect XXXX account on XXXX XXXX,2014. see on this Bill Date : XXXX/XXXX/14 Past Due After XXXX/XXXX/14. Current Gas Charge Total XXXX TAX/FEE CHARGE TOTAL XXXX CURRENT CHARGES XXXX TOTAL AMOUNT DUE XXXX. Are someone at XXXX employer and employee steals and uses your personal information do fraud and put fraudulent charged on your billing account related to identity theft. I am disputing these fraudulent bills charges on my XXXX Costumer Number XXXX Customer Name XXXX, TX XXXX. Account close out XXXX XXXX, 2014. Billing Date XXXX/XXXX/14 PAST DUE AFTER XXXX/XXXX/14 XXXX, PAST DUE XXXX/XXXX/14 XXXX Final Bill PERVIOUS BALANCE XXXX these bill are like the same billing XXXX/XXXX/14 past due XXXX/XXXX/14 XXXX, Billing Date XXXX/XXXX/14 past due XXXX/XXXX/14 XXXX, billing Date : XXXX/XXXX/14 Past Due After XXXX/XXXX/14 XXXX see these attachment the XXXX bills date XXXX/XXXX/14 past due after XXXX/XXXX/14, Payment received XXXX/XXXX/2014, XXXX Current Gas Charge Total XXXX Tax/Fee Charge Total XXXX Total Amount Due XXXX, Previous Date XXXX/XXXX/14 Past Due After XXXX/XXXX/14 Pay Receive XXXX/XXXX/2014 XXXX tax XXXX = XXXX, they are not the same like Current Charges and Tax/Fee Charges Total, Total Amount Due date XXXX/XXXX/14, XXXX/XXXX/14 and date XXXX/XXXX/14 disputing fraudulent charges XXXX accounts identity theftXXXX XXXX employer and employee told me there collection agency Professional Finance Company , Inc will get the {$56.00} dollar from me are mass up, this is company 's do when you close out your account with them. they call there collection agency for more money from there customers and mass up your credit. This is not rightSincerely, XXXX XXXX \n Company believes it acted appropriately as authorized by contract or law Professional Finance Company, Inc. TX 752XX Older American Consent provided Web 08/01/2015 Closed with explanation Yes No 1497817
277459 08/01/2015 Debt collection Medical Disclosure verification of debt Not given enough info to verify debt CMRE Financial Services is, apparently, a collection agency. I received medical services and my insurance was billed. I received a bill for {$100.00} but knew that I was covered for it by insurance. I called the medical provider and they said to just wait, the insurance had been billed. The was the last I heard of it. I assumed that the medical provider had been paid as I never received another bill from them. Sometime later, ( 1 year or more ) I received a bill from CMRE for the same {$100.00}. I called and asked what it was about. They said that insurance had not paid and I was liable. They NEVER said that they were a collection agency. I thought they were a biller for the medical provider. I still believed that my insurance should have paid the {$100.00}, but felt that it would be faster & easier to just pay it. I did not want any derogatory information to appear on my credit report. Now, another year has passed, and it seems CMRE was/is a collection agency and the payment has affected my credit. I would never have just paid it, if I knew that. I would have gone directly to the medical provider and hashed it out with them and my insurance company. In short, I should not have a " collection '' account on my credit report as I was tricked into paying them in lieu of fighting the charge with the medical provider. \n Company chooses not to provide a public response CMRE Financial Services, Inc. CA 920XX Servicemember Consent provided Web 08/18/2015 Closed with explanation No Yes 1497808
277565 09/15/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine XXXX XXXX has been contacting me since XXXX 2015 or earlier, for collection on a Citibank credit card account that belongs to my husband, who filed for bankruptcy. The Citibank account was settled in bankruptcy court, so they were paid an allotted amount. I did not apply or use the card, ever. My husband 's bankruptcy has been discharged since about XXXX 2015. I have explained this to XXXX representatives of XXXX XXXX. The XXXX said she would send me a dispute form ... never happened. The XXXX said he saw where the issue was resolved so he was going to " send it up '' because I did n't owe the debt. The XXXX called last week. She said I owe the debt because I was not involved with the bankruptcy. I argued with her because I have not apply for, or used this card, ever. After I speak with a representative, they stop calling for a week or so. Then, they call several times per day while I am at work and then when I am at home. They continue to harass me. What recourse do I have? They put this on my credit report! What can I do about that? \n Company chooses not to provide a public response Citibank VA 231XX Servicemember Consent provided Web 09/15/2015 Closed with non-monetary relief Yes No 1565224
277715 09/01/2015 Debt collection Other (i.e. phone, health club, etc.) Taking/threatening an illegal action Threatened arrest/jail if do not pay Has threatened me with my IMMEDIATE ARREST. This debt collection attorney has stated that a bench warrant is PENDING and it was going to be UNPLEASANT FOR ME. \n\nI AM A XXXX VETERAN. I have XXXX AND A XXXX XXXX XXXX. This situation has caused undue stress and hardship on me. \n Company believes it acted appropriately as authorized by contract or law Kenneth E. Davidson, Attorney CO 808XX Servicemember Consent provided Web 09/10/2015 Closed with explanation Yes No 1546403
277745 09/01/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Over 10 years our grandson was in XXXX and a fraud caller ask us to accept collect call. The telephone number is no longers in service and was in my husband name. our new number is in my name and we get calls beginning @ XXXX and continuously all day from Enhanced Recovery Company , LLC with whom we do not any contract and never did business with them. I am XXXX years old and diagnosed with several health challenges and this harrassment cause me stress. please help! \n Company can't verify or dispute the facts in the complaint ERC PA 191XX Older American Consent provided Web 09/01/2015 Closed with non-monetary relief Yes No 1546157
277957 09/01/2015 Debt collection I do not know Communication tactics Called outside of 8am-9pm started months ago on XXXX and they call XXXX to XXXX times a day 7 days a week leave no message or information. any time of day also \n Company believes it acted appropriately as authorized by contract or law Penn Credit Corporation PA 156XX Older American, Servicemember Consent provided Web 09/01/2015 Closed with explanation Yes No 1546457
278175 08/19/2015 Debt collection Credit card Communication tactics Frequent or repeated calls On XXXX XXXX, 2015 I made arrangements to repay my wife 's debt to Enhanced Recovery Company , LLC, XXXX. XXXX XXXX, XXXX, FL. The person I spoke to understood that the original debt to XXXX had fallen behind because my wife had become ill and the representative was sympathetic. I arranged to pay with a debit card with agreed XXXX payments over six months wherein I would call and make the payment. The first payment was taken from my bank account on Monday XXXX XXXX, 2015. Despite this, ERC called me and said that if I did not pre arrange the dates and allow them to automatically withdraw the amounts, they would continue to call me. I responded that this was not the arrangement which I had made with them and the supervisor said that she had no way of knowing what the representative had made with me. I spoke to her as the common liar that I found her to be. I intend to repay the debt. I sent them a written request on XXXX XXXX, 2015 to contact me only by mail. \n Company believes complaint is the result of an isolated error ERC NJ 080XX Older American Consent provided Web 08/19/2015 Closed with non-monetary relief Yes No 1526492
278239 09/08/2015 Debt collection Medical Improper contact or sharing of info Talked to a third party about my debt ACCOUNTS REC SOLUTIONSAccount Number : XXXX Opened : XXXX : Paid, Closed. \n\nI called ACCOUNTS REC SOLUTIONS on XXXX 2011 in regards to bill that was sent to them as a collection, on behalf on physician lab. I was unaware about this until I contacted them, and when I did XXXX of their representative informed me that as long as I make some type of payment continuously this will not be sent to the XXXX. Unfortunately, it was sent to them, even after I paid the account in full. I contacted the XXXX and informed them of the situation, and they told me to contact the collection agency and ask them to request the XXXX to have the deliquency removed. The supervisor who I spoke to stated that she will not do that because it will require tremendous amount of work for her to do so, therefore she ca n't do it. \n Company believes the complaint is the result of a misunderstanding AR Solutions Inc IA 511XX Servicemember Consent provided Web 09/15/2015 Closed with explanation Yes No 1555949
278247 08/13/2015 Debt collection Credit card False statements or representation Indicated committed crime not paying I was sent a paper from Messerli & Kramer XXXX XXXX. \nIn it had a statement that if I had signed it would keep me from ever suing them no matter what anyone in their company did to me or their future children may do to me. It was a disclaimer so I could never sue them for any reason. I could not sign it. I have a paper copy. I do owe a debt I wish I could pay. I was sent a judgement from the court. I do not have a job so I can not pay this, but this new paperwork ... It 's something that was clearly illegal. I looked their name up online and their are quite a few court cases in which they are the defendant. People are suing them frequently. I can see why they would want to send me this. I normally do not sue people or organizations. I believe in ethics and morals. I do n't believe in this type of behavior. \nThank you for looking into this. Some people just do not read the entire document. They could do anything to them. That would be horrible. I do n't want anyone to be hurt by them. Please look into this. Thank you again. \n Company believes the complaint is the result of a misunderstanding Messerli & Kramer P.A. MN 550XX Servicemember Consent provided Web 08/13/2015 Closed with explanation Yes No 1516914
278346 08/13/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Indicated committed crime not paying I have a {$9.00} toll charge with the XXXX. They have a contract with Linebarger Goggan Blair to collect debts. I live in the XXXX area, and my bank card on file had expired so when the money in my account was used, it kicked back the charge. I received an invoice for the tolls + administrative costs from XXXX. I contacted them to correct the issue. I was told to contact my local toll authority ( XXXX ) and have them send over verification of a good standing account. I did that. During their exchange of information which I have no control over, XXXX sent my account to collections, subsequently adding approximately {$120.00} on top of the {$30.00} administrative fees ( which XXXX agreed to remove ). My final bill is {$150.00}. I was instructed to contact Linebarger for any removal of their fees, which they told me they would not do under any circumstance, and the collection representative " XXXX '', informed me that I had committed a Class C Misdemeanor and had broken the law. All the toll authority had to do is run the charge again, but they send their accounts to collections because someone is getting their pockets lined at the consumers expense. It is unethical. I did not attempt to break any law and XXXX has since received money on behalf of my toll usage, but has maintained that they will not take my toll payment for this one day. \n Company believes it acted appropriately as authorized by contract or law Linebarger Goggan Blair & Sampson, LLP TX 750XX Servicemember Consent provided Web 08/20/2015 Closed with explanation Yes No 1518811
278602 09/09/2015 Student loan Non-federal student loan Dealing with my lender or servicer Trouble with how payments are handled Wells Fargo automatically lowered my monthly automatic withdrawal payments. They did this because I have made additional payments to my loan in order to pay it off earlier. The letter they sent did not use clear language to indicate that my loan would not get paid off sooner, like I intended. I called Wells to get further clarification. The person on the other end could not explain the reason for the lower payment in a basic understandable format. I worked in lending and currently work for a securities regulator. If I did not work in these fields, I would not have understood that I would not be paying off my loan sooner, like I planned, based on the letter and the Well 's employee. \n Company chooses not to provide a public response Wells Fargo & Company PA 191XX Servicemember Consent provided Web 09/09/2015 Closed with explanation Yes No 1556638
279368 08/06/2015 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Contacted me after I asked not to Jared Galleria is calling me upwards of XXXX times a day half from private numbers others from multiple different numbers mainly from XXXX. I answer and they hang up constantly. I have talked with them and explained the situation and they continue the same behavior. This is rediculous and harrassment. \n Company believes it acted appropriately as authorized by contract or law Sterling Jewelers Inc. TX 782XX Servicemember Consent provided Web 08/06/2015 Closed with explanation Yes No 1507076
279554 09/01/2015 Debt collection Medical False statements or representation Attempted to collect wrong amount I told Idaho Collection Bureau I could make $ 25 monthly payments at the time and we would revisit an amount in XXXX. They automatically set payment to {$50.00} with out the revisit. When I called XXXX to inform her I was not able to pay that amount she said I said, I said I could. I never said that. I told her I cant pay that amount and she it needs to be raised at the amount that is in there office. I said thank you and she hung up on me. I did not make that payment arrangement or agree to {$50.00} payments \n Company believes complaint is the result of an isolated error Credit Bureau of Twin Falls Inc ID 833XX Servicemember Consent provided Web 09/05/2015 Closed with explanation Yes No 1547081
279560 08/19/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine A company named IQ Data has been attempting to collect {$150.00} from me for money they claim I owed to an apartment complex at which I lived in XXXX, TX when I was XXXX. Neither this company, nor anyone else, has been able to explain to me why I owe this money. Instead, when the debt collectors call, they simply state that they do not have to tell me why I owe money because it 's in collection. When I contested the collection with the credit bureaus, XXXX immediately took the charge off. Subsequently, IQ Data then falsely reported to XXXX that the debt was paid in full, which leaves the collection on my record but gets the credit reporting agency to stop investigating. When I contested the charge with XXXX XXXX, IQ Data reported to them that it 's still a collection account. IQ Data still continues to call and demand the money, asserting that they do not have to tell me why I owe money and that they do not know what it 's for. \n Company believes the complaint is the result of a misunderstanding I.Q. Data International, Inc. NV 891XX Servicemember Consent provided Web 08/19/2015 Closed with explanation Yes No 1527011
279628 09/16/2015 Debt collection I do not know Disclosure verification of debt Not disclosed as an attempt to collect A robocall from Focus Receivables Management asked me to call them but offered no other information. There is nothing I know of that I owe and I will not call anyone without them giving me real information. \n Company can't verify or dispute the facts in the complaint Focus Holding Company CA 926XX Servicemember Consent provided Web 09/21/2015 Closed with explanation Yes No 1566407
279978 09/09/2015 Debt collection Medical Taking/threatening an illegal action Threatened to sue on too old debt This collection agency has REAGED AN OLD MEDICAL DEBT which is highly illegal. They threatens me and did reage my account on my credit report. this is a small medical debt that I told them the va will take care of since I 'm a veteran. \n Company believes it acted appropriately as authorized by contract or law Financial Business and Consumer Solutions. CA 921XX Servicemember Consent provided Web 09/09/2015 Closed with explanation Yes No 1556553
280087 09/01/2015 Debt collection Credit card Communication tactics Used obscene/profane/abusive language Threatened me by stating that they needed to motivate me. Threaten me by telling me that they know where I live and work. Stated that they would be filling a law suit and was informing me that they had filed for employment verification and intended on contacting my place of work. Contacted my ex wife threating her, would not state whom they were, told here they knew everything about me and where i worked and lived. \n Company disputes the facts presented in the complaint Nationwide Debt Management Solutions, LLC LA 711XX Servicemember Consent provided Web 09/01/2015 Closed with explanation Yes No 1547266
280505 08/13/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid On XX/XX/XXXX, I was involved in a car accident ( No fault of mine ), and was taken by ambulance to XXXX Hospital. XXXX years later, I 'm receiving phone calls, letters for collection. I went to court, won the case, and all hospital bills, were paid, by my attorney, and my government health plan. The records have been archived, and I told the collection agency about the records, being archived, and they are asking for payment, when they 've been paid. The debt, was removed from my credit report, and was put back on XX/XX/XXXX. My credit scores, were in good standing, now they have dropped toa score I want removed and restore the previous scores. This company has violated the Fair Credit Collection Act, and I am thinking about suing this company for the aggravation and score reduction. Please have this removed, and I will pursue, taking action. Respectfully!! \n Company believes it acted appropriately as authorized by contract or law Commonwealth Financial Systems, Inc. MD 212XX Servicemember Consent provided Web 08/24/2015 Closed with explanation Yes Yes 1518421
280543 08/07/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid Credit Protection Association has been harassing me foe months now trying to collect a frivolous or fraudulent {$440.00} charge. the reference number is XXXX. Their phone number is XXXX attn : XXXX XXXX. I am having to laboriously submit documentation proving that i am not the debtor. Please advise them to stop calling me and remove my name from their records. I do not want them to blemish my credit. There has got to be a better way for a consumer to not have to prove fraudulent charges. \n Company believes it acted appropriately as authorized by contract or law Credit Protection Association, L.P. TX 770XX Older American Consent provided Web 08/07/2015 Closed with non-monetary relief Yes No 1507994
280955 09/16/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid On XXXX/XXXX/15 my husband received XXXX services through XXXX XXXX XXXX XXXX XXXX. On XX/XX/XXXX XXXX XXXX XXXX billed us for the remaining balance after insurance paid their part. We had had prior experience with XXXX XXXX XXXX billing us for amounts that should have been settled through insurance. On XXXX/XXXX/15 I spoke to a person at XXXX XXXX XXXX who said the bill should be sent for adjustment and we should not pay while this was being done. We did not hear from them again. On XXXX/XXXX/15 we received a letter from Professional Credit Services saying the bill had gone to collection. We became concerned about our credit rating and paid the bill to PCS that day. When I called XXXX XXXX XXXX on XX/XX/XXXX they told me they had not sent the bill to PCS or any other debt collector but would look into it. I did not hear back from them. On XX/XX/XXXX we received a bill from a second collection agency, XXXX XXXX, for the same amount. XXXX XXXX XXXX now tell me they did send the bill to XXXX XXXX. It appears that they never did send the original bill for adjustment, nor did they attempt to re-bill us before sending it to collection. PCS tells me they did not buy the debt but had it sent to them by XXXX XXXX XXXX. They also say they paid the full amount to XXXX XXXX XXXX as soon as we paid the bill, on XXXX. XXXX XXXX XXXX claim they do n't have the money. Meanwhile, XXXX XXXX XXXX think they have a right to collect this money. We are very concerned about what having this debt looking like it is outstanding will do to our credit rating. We are also wondering where the money we paid to PCS has gone. I have spent a lot of time on the phone trying to address this, and would very much appreciate your assistance! \n Company chooses not to provide a public response Ray Klein, Inc. CA 949XX Older American Consent provided Web 09/22/2015 Closed with explanation Yes No 1566796
281105 09/01/2015 Debt collection Other (i.e. phone, health club, etc.) Taking/threatening an illegal action Threatened to sue on too old debt A debt of what was recently said to me of {$810.00} was a result of an overdraft fee from 2006 by a bank under FDIC. A phone call was received by company who was tasked with contacting me to deliver a summons or something to that effect provided me with the information of the attorney 's office that accepted the case. When I proceeded to contact this office a representative of this office did not fail to enforce understanding upon me of severity of paying the amount in full or be taking to court. However as I requested detailed information of the matter by rights of the first initial contact received, the representative refused to provide any information. As a military service member I then proceeded to take the matter to the Judge Advocate General who in representation of me attempted several times to speak with any representatives in that office and none answered or return a call on the matter. \n Company chooses not to provide a public response Wells Fargo & Company HI 967XX Servicemember Consent provided Web 09/01/2015 Closed with explanation Yes No 1547695
281502 09/09/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt was discharged in bankruptcy As part of a bankruptcy proceeding any American citizen is protected by Constitutional mandate. Bank of America has decided to follow a different course of action than any other creditor pertaining to my Chapter XXXX discharge of creditors. As I have submitted, Bank of America followed through a due process on my initial dispute on the carrying of balances on discharged debts. Bank of America re-inserted balances on XXXX ( XXXX ) lines of credit since they initially placed balances at XXXX from my initial dispute. \n\nBank of America must file a release of any judgments filed against XXXX XXXX XXXX immediately in the county of my jurisdiction, XXXX County, New York. \n\nBank of America must show a payment history of all late payments dating back from the inception of all accounts, and delete all accounts if a late payment occurred 84 months or greater based upon the 7-year rule mandated by the Fair Credit Reporting Act. \n\nBank of America my XXXX out all account balances immediately as part of the bankruptcy judicial process, since under Federal Deposit Insurance Corporation ( FDIC ) Rule XXXX, the debt discharged through bankruptcy was listed as a sub-standard debt, written off or charged off by legal statute, and applied on a XXXX SEC quarterly filing on written off debt. \n\nBank of America id " Double Dipping '' by maintaining balances on XXXX set of books, after applying all legal tax remedies through a XXXX SEC filing for written off debts. \n\nBank of America must delete all aspects of past accounts if the XXXX month calculation is applicable, or the accounts will be considered re-aged, an FTC violation of Fair Credit Reporting Act protocol and Fair Debt Collection Practices Act processes on legal collection practices. \n Company chooses not to provide a public response Bank of America NY 120XX Older American Consent provided Web 09/09/2015 Closed with explanation Yes No 1557634
281563 08/26/2015 Debt collection I do not know Communication tactics Used obscene/profane/abusive language When I phoned back the XXXX number on the collection call, the person was abusively rude. I told him the person he was looking for has n't worked here in years and to take my number off, and that I thought it was illegal to disturb business with his call, he said that " he knows his business '' and " what are you gon na do? what are you gon na do? what are you gon na do? '' and repeated it in an aggressive manner many times. I finally interrupted and said, " report you right now '' and hung up. The company was Commonwealth Financial XXXX at XXXX. \n Company believes it acted appropriately as authorized by contract or law Commonwealth Financial Systems, Inc. TX 759XX Older American Consent provided Web 08/26/2015 Closed with explanation Yes No 1537777
281669 09/16/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid All documentation was sent to show payments for each EOB from my XXXX insurance provider. XXXX XXXX XXXX was trying to bill amount outside of contracted agreement with XXXX. \nXXXX representative informed me that this was illegal, per the contract agreement and my obligations were met. \nThis information was provided to the Bureau Medical Economics who received all receipts of these transactions, but keeps sending harassing phone calls and notices. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Medical Society Business Services, Inc. AZ 852XX Servicemember Consent provided Web 09/16/2015 Closed with explanation Yes No 1567313
282008 09/16/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I have never had XXXX XXXX XXXX. This was disputed once before and removed from my credit profile nearly a year ago and now it reappears. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company MRS BPO, L.L.C. TX 751XX Servicemember Consent provided Web 09/16/2015 Closed with non-monetary relief Yes No 1567906
282204 09/17/2015 Payday loan Payday loan Charged bank acct wrong day or amt Charged bank acct wrong day or amt XX/XX/XXXX, I applied for and received a payday loan in the amount of {$400.00} from Advance America. The total amount owed was {$470.00} on XX/XX/XXXX. On Approximately XX/XX/2015, I went to Advance America and paid {$300.00} in cash, leaving a balance of {$170.00}. I was supposed to go back to Advance America on XX/XX/XXXX to make the final {$170.00} payment but did not because I was ill. \n\nI called them to apprise them of this and told them that I would be in to pay my balance once I felt better. On Wednesday, XX/XX/XXXX I spoke with Advance America again and told them I was still ill, in fact I had just left the doctor 's office and had missed school but assured her that I would be in to pay my balance soon. \n\nThe customer service rep suggested that I make a payment by Saturday, XX/XX/XXXX, if I felt better. I did not! I missed their call on Monday. On Tuesday, they deposited the post dated check I left with my application for the full amount of {$470.00}. \n\nI called and asked them why they did this and Advance America stated that I missed their call and I did n't call back. I immediately told them that I did n't owe the full amount and she told me that they would refund the extra {$300.00} taken once my check clears. So now I 'm being deprived of money that is clearly mine for their benefit. My account was overdrawn as a result of this. I suffered XXXX and XXXX because of this. \n\nI am already ill but would like to know do I have standing to bring a suit against Advance America for Damages. \n\nThey had no right depositing a check written for the full amount when they knew the full amount was no longer owed. To me, it amounts to theft or the fraudulent interference with a consumer deposit account. \n Company believes it acted appropriately as authorized by contract or law Advance America, Cash Advance Centers, Inc. IN 464XX Servicemember Consent provided Web 09/17/2015 Closed with explanation Yes No 1568186
282293 09/02/2015 Debt collection I do not know Communication tactics Used obscene/profane/abusive language Used foul, and obscene language \n Company chooses not to provide a public response Professional Receivables Network GA 302XX Older American, Servicemember Consent provided Web 09/03/2015 Closed with explanation Yes No 1548646
282424 09/30/2015 Debt collection Medical False statements or representation Attempted to collect wrong amount This started as a billing error at the hospital. I went to see XXXX XXXX XXXXbecause I literally felt like XXXX. My Uncle had recently been hospitalized for XXXX XXXX and I had been to visit him at the same time he contracted the virus. I fell illshortly after and went to my primary care because I was afraid I had it too. \nXXXX XXXX coded this visit with him as a " routine visit ''. My husband is a XXXX veteran and I have XXXX insurance. XXXX denied the claim becausethey told me the claim was coded wrong. I informed the hospital. Not only did I bring acopy of my explanation of benefits to them in person, but I made over 10 calls to variousoffices trying to get them to code the visit properly. This was anything but a " routine visit ''. \nFeeling like I have west nile virus is not a " routine '' thing. \nThe hospital and XXXX XXXX 's office sometimes were polite about the matter. They evenclaimed two times they changed it, but they kept submitting the same medical code toXXXX who kept denying the claim because they do not cover " routine visit '' claims. \nThen I got a nasty call from a collections lady saying this would be going to collections. Afew months later I got a letter from " The Credit Bureau of XXXX XXXX XXXX and XXXX Counties ''. The letter is dated XXXX/XXXX/2015 and it says I have 45 days to pay in full orthey will report this to the Credit Reporting Agencies. \nI do not owe this amount. This is a billing error. The hospital has failed repetedly to correcttheir mistakes. They even told me in person it was a mistake and that they would fix it. Thishas been dragging out for almost a year now. I want this to end and for them to bill myinsurance properly. This is no way to treat the wife of an honorably serving XXXX veteran. \n Company believes it acted appropriately as authorized by contract or law Credit Bureau of San Luis Obispo & Santa Barbara Counties CA 934XX Servicemember Consent provided Web 10/21/2015 Closed with explanation Yes No 1587582
282460 10/07/2015 Debt collection I do not know Communication tactics Frequent or repeated calls Harris Harris calling us, asking for us to call them. Their # is XXXX. They are a debt collection agency. They do not leave any specific debt we owe. They just give the time for us to call them back during the week. This is their third call. We have not received anything in the mail and we have no outstanding debt. \n Company believes it acted appropriately as authorized by contract or law Harris & Harris, Ltd. CA 917XX Older American Consent provided Web 10/07/2015 Closed with explanation Yes No 1597521
282580 09/24/2015 Debt collection I do not know Disclosure verification of debt Not given enough info to verify debt I constantly rcv a phone call from XXXX,,, was finally able to link it to Penn Federal Credit and once they asked my wife for my name and claimed I owed a long overdue debt. We owe not unpaid debts to anyone ... checked our credit reports ... high scores no outstanding debts ... .they continue to call up to 5 x 's a day and I get a recording and when I call the recording they just want phone number and information ... .they do not stop this harassment and I have no way to directly contact ... no written bills of anything ever sent in the mail..this concerns me as I was on the XXXX hacking list and these calls started after this. How does this ever end?? \n Company believes it acted appropriately as authorized by contract or law Penn Credit Corporation NC 280XX Older American, Servicemember Consent provided Web 10/21/2015 Closed with explanation Yes No 1578013
282687 09/10/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Aargon Collection Agency continues to report false information to XXXX that I owe a debt. I have absolutly no knowledge of this account and feel violated that they keep reporting false information and it is affecting my credit. I informed the collection agency ( Aargon Collection Agency ) that this is not my account but they have been unhelpful in assisting me with this removal from my credit. I have no knowledge of this account and do not owe this account. Please assist me. \n\n\nThank you. \n Company believes it acted appropriately as authorized by contract or law Aargon Agency, Inc. GA 301XX Servicemember Consent provided Web 09/10/2015 Closed Yes No 1558116
282847 09/10/2015 Debt collection Credit card Taking/threatening an illegal action Threatened to sue on too old debt I am being harassed and threatened by XXXX about some debt owed that I do n't recall. They say I owe Over {$9000.00}. \n\nThey contacted me and surprised me and pushed for me to settle the account. I did not know what to do with being threatened with court and the balance. \n\nI in duress set up a plan based on the threats. Once I got home I still could not remember aby debt from Cash Call. They said I probably took out a loan for {$2500.00} but I owe over {$9000.00} now. \n\nI requested some kind of proof to show me what the bill is and they refused. They told me that " they will only send proof to an attorney so I better get an attorney ''. I ca n't afford an attorney for a debt I font even remember or know is mine. I requested proof several times and told them I dispute this debt until proof of the debt is supplied. \n\nXXXX who is the collector said that I am an irresponsible person and I should be checking my credit once a year. I pulled my credit and could not find this debt. \n\nThey just emailed me that they are sending to the fraud department for investigation. All I asked for is something showing it is my debt. \n\nI ca n't handle the threats and abuse anymore. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company CashCall, Inc. CO 801XX Servicemember Consent provided Web 09/10/2015 Closed with explanation Yes No 1558082
283229 09/17/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Frequent or repeated calls Received a phone call on XXXX XXXX 2015 from XXXX @ XXXX with caller ID as 'UNAVAILABLE ' Left an automated voice message stating " This message is for XXXX '' XXXX Immediately, I recognized the caller had the 'wrong number ' because no XXXX resides here ) and continued to state, "... this call is not a sales/marketing call. Hunter Warfield is a Debt Collection Agency and advised to call XXXX between M-F ( EST ) XXXX - XXXX When calling refer to number ID : XXXX. '' A return call to the toll-free and local number, each call was answered with the name Hunter Warfield in the greeting. Apparently, they are a debt collection agency. Area code for XXXX is XXXX, Florida. http : //ww2.hunterwarfield.com/ Mailing address for : Hunter Warfield XXXX XXXX XXXX XXXX. XXXX, FL XXXX / XXXX : XXXX XXXX : XXXX \n Company believes complaint represents an opportunity for improvement to better serve consumers Hunter Warfield, Inc. VA 221XX Servicemember Consent provided Web 09/17/2015 Closed with explanation Yes No 1568487
283289 09/17/2015 Debt collection Payday loan Cont'd attempts collect debt not owed Debt is not mine Eight years ago I took out a payday loan from Cashcall/XXXX. I paid them back and the matter was closed. However, almost immediately after my husband XXXX ( he is ion the XXXX XXXX XXXX ) in XXXX of 2014, I have been receiving threatening calls from random phone numbers all over the US saying that I am going to be served with papers and my wages are going to be garnished if I do not pay my loan. They also try to get me to pay them what I owe right then and there so I would not get served with the fictitious papers. Of course, I have never been served and my wages are just fine. I know these are all scams so I ignored them. \n\nThe other day I returned a missed call on my cell phone. The area code was XXXX, which is XXXX, New York. I returned the call because my husband just transferred his GI Bill to me and I am trying to use it for XXXX school, so I believed this numbered belonged to the Regional VA office that is in fact, in XXXX. Instead, it was a no-name debt collection office saying that Cashcall has referred my past due account to them because I owe them {$8100.00} on a loan I took out 3 years ago. I did not take out a loan 3 years ago. \n\nOnce more, I was told my wages will be garnished and I 'm having papers filed against me and I will be served. The woman I spoke with told me that they have already attempted to serve me with papers multiple times at my old address, which is my parents ' address, which has never happened. \n\nAlthough I am very confident this is a scam, it has n't ceased, and as someone who was once in a poor financial situation, it makes my XXXX every time! I am really at my wits end, and I can not imagine how many other people experience this, and how many other people actually actually pay out of fear. \n\nThese people obviously know that I previously had a loan from Cashcall and now using this information to prey on me. All of their claims are absolute nonsense, but it still makes me extremely nervous. \n\nThe phone number I called was ( XXXX ) XXXX. \n\nAlos, here is a list of the other phone numbers:XXXXXXXXI do not know how to proceed to stop these scammers from bothering me. It seems to be quite an elaborate operation! Again, although I am pretty confident it is a scam, it is still scary. And for the sake of all the other people who go through this, someone needs to step in and get these people. \n Company can't verify or dispute the facts in the complaint CashCall, Inc. NJ 086XX Servicemember Consent provided Web 09/21/2015 Closed with explanation Yes No 1568512
283372 09/02/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I have a relatively new phone number. The company cross-referenced my number to an old XXXX debt that is not mine. \nI have explained to the caller, twice, that this is not my debt and that they have the wrong person. Once I gave them that information I stopped communicating with them. They call everyday and leave a message that I owe money to them that I used to owe to XXXX. That they have been authorized by XXXX to collect and that I need to call them back and pay up. \nThe name of the company is : Enhanced Recovery Systems,XXXX XXXX XXXX, XXXX , FL XXXX ( XXXX ) XXXXIf you do an internet search of this company you will find dozens of complaints against their tactics. \n Company believes it acted appropriately as authorized by contract or law ERC WI 532XX Older American Consent provided Web 09/02/2015 Closed with non-monetary relief Yes No 1548971
283374 10/07/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I have had recurring issues with Hunter Warfield attempting to collect a debt that I do not owe. In 2013, I disputed the entries that this company made to my credit reports. I was able to get these items removed from the credit bureau reports after I threatened to sue Hunter Warfield for its blatant violations of the Fair Debt Collection Practices Act. I recently became aware that they are continuing to report the same false information to XXXX XXXX XXXX. I am upset because I feel I have already made it quite clear to Hunter Warfield that this is not my debt and I will not be paying it, and that by continuing to report this debt they are breaking the law. Given the length of time that has elapsed, I am granting Hunter Warfield a grace period before I decide to exercise my right to take them to court for violating the FDCPA. I am hoping that the Consumer Financial Protection Bureau will be able to mediate this matter before I am forced to take this company to court. \n Company believes the complaint is the result of a misunderstanding Hunter Warfield, Inc. AZ 860XX Servicemember Consent provided Web 10/07/2015 Closed Yes Yes 1596300
283417 09/10/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine For several months now, I 've been getting daily calls from Sterling Jewelers/Kay Jewelers. There are multiple Business names under the parent company. The initial calls were a script message to a person that does not, nor ever has lived at or resided in my home. The message gives an XXXX number for the non-resident they are attempting to reach. The calls originate from various phone numbers across the country. I 've researched a number of them and they all seem to originate from XXXX of the many jewelers stores under the parent Sterling Jewelers. On a few occasions, I returned the call by calling back to the number on " caller ID ''. I explained that these nuisance calls were intended for someone that DOES NOT live and has NEVER lived at my address. I explained that they definitely have the wrong number and must stop these nuisance calls. On all such occasions, they told me that they are recording my information and would remove my phone number from any future calls for credit collection. To this day, I still get daily calls from these people. \n\nI 've been keeping track of the phone numbers that these collection calls originate from and I have compiled a list of XXXX different phone numbers that they have used in making calls to my home. \n Company can't verify or dispute the facts in the complaint Sterling Jewelers Inc. TN 378XX Older American, Servicemember Consent provided Web 09/10/2015 Closed Yes No 1558952
283440 09/17/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I submitted a 30 day notice for moving out of an apartment. The office manager claimed I did not and tried to charge me another months rent and expenses. I submitted a written 30 day notice with my rent check as I was told to do. I verbally told them about 30 day notice, as well. The rent check was cashed, so I assume they got the written notice, too. I had the apartment professionally cleaned upon departure ( much, much cleaner than when I moved into the apartment ), I was completely out of the apartment days before the 30 days were up. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Aargon Agency, Inc. FL 338XX Servicemember Consent provided Web 09/21/2015 Closed Yes No 1568560
283450 10/08/2015 Debt collection I do not know Communication tactics Frequent or repeated calls This company called 4 times in a stretch of 5 hours. And when I answer it, it is a recording saying this is an important call \n Company chooses not to provide a public response Continental Finance Company, LLC NY 137XX Servicemember Consent provided Web 12/04/2015 Closed with explanation Yes Yes 1598497
283634 10/08/2015 Debt collection Medical Improper contact or sharing of info Talked to a third party about my debt I have some outstanding past due medical bills that have gone to a collections agency. I have an answering machine on my land line phone. I have a generic outgoing message on the machine that states no one is able to answer the call and does not mention any names. Today, I found a message on the machine that claimed to be from the collections agency. The incoming message stated that it was for me, by name, and that anyone else should immediately hang up. The message then went on to explain the nature of the call was to collect a debt and gave the name of the agent and that of the agency and their telephone number. I have a girlfriend that spends several days at my house at a time and the answering machine is in the living room, where she can hear both the outgoing message and the incoming messages. \n\nThe message is saved on the answering machine, with no direct way to save it as a computer audio file. I may be able to play it back and capture the speaker output to a voice recorder that generates XXXX files that can then be copied to my computer. \n Company chooses not to provide a public response Avadyne Health Holdings, Inc IL 600XX Older American Consent provided Web 10/08/2015 Closed with explanation Yes No 1598540
283638 09/24/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine This debt is not mine, for XXXX XXXX. I 've already had it removed from my credit reports, by filing complaints with all XXXX credit bureaus, sending a completed Fraud Handling Packet thru XXXX, as requested, to include a notarized Statement of Dispute, Police Report, Proof of Lease at the time this account was created. Got Identify theft alerts added to all XXXX credit reports, purchased XXXX XXXX for myself and my XXXX sons. After getting countless phone numbers, last name, and addresses removed from my credit reports that did not belong to me, this XXXX account has ended up back on my credit reports XXXX XXXX, XXXX ( {$1000.00} ), thru the same collection agency that it was removed from back in XXXX XXXX. Enhanced Recovery Corp. XXXX even had the audacity to send a letter to me questioning XXXX accounts from XXXX and XXXX, after proving this account from XXXX is not mine, the account that started this whole credit disaster. I had proved this account was not mine and although the other XXXX accounts they 're claiming to be mine from XXXX and XXXX, they 're outside of the statute of limitations. The accounts are not mine and should not be in question. My next move is to seek help thru an attorney if this can not be resolved for good. \n Company believes it acted appropriately as authorized by contract or law ERC PA 151XX Servicemember Consent provided Web 09/24/2015 Closed with non-monetary relief Yes No 1579453
283703 10/08/2015 Debt collection Medical False statements or representation Attempted to collect wrong amount Receivable Management Group , Inc. \nXXXX XXXX XXXX, # XXXX, XXXX, Ga : Agent XXXX XXXX, is doubling multiply provider accounts into XXXX account and listing as total debt under XXXX account, i.e. XXXX, XXXX XXXX XXXX statement dated XXXX/XXXX/15 {$560.00}. I called XXXX XXXX XXXX asking how can this be. They have no record of owing no more than {$39.00}. \n Company believes it acted appropriately as authorized by contract or law Receivable Management Group, Inc. (GA) GA 319XX Older American Consent provided Web 10/08/2015 Closed with explanation Yes No 1598477
283890 09/17/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine i am being called by MRS BPO every day. a machine makes the call. i am not the person they are looking for. it is the person who used to have this phone number. \nthere is no way to get them to stop because the machine circles around and around. i have called their main number where the operator says she can not help me and transfers me to a number where nobody answers. please make them stop. when calls for the same person were made by human beings, i was able to convince them i am not the one who owes the debt. can not get the machine calls stopped. \n Company can't verify or dispute the facts in the complaint MRS BPO, L.L.C. WV 254XX Older American Consent provided Web 09/17/2015 Closed with explanation Yes No 1568710
283963 09/02/2015 Debt collection I do not know Communication tactics Frequent or repeated calls Repeated calls even after I told them that the person they are calling is not at this number and to cease calling my cell phone or I would report them. I have NO DEBTS and I want these calls to stop! \n Company believes it acted appropriately as authorized by contract or law Commonwealth Financial Systems, Inc. GA 300XX Older American, Servicemember Consent provided Web 09/02/2015 Closed with explanation Yes Yes 1549129
284025 09/17/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt On or about XXXX/XXXX/2015 I contacted National Credit Systems Inc. and spoke with XXXX XXXX at XXXX Ext. XXXX concerning XXXX or XXXX debts of the same account that appeared on XXXX public credit reports. I questioned the validity of the debts and the amounts owed. XXXX XXXX PROMISED to mail, to my home address which I provided during the conversation, an official document detailing the amounts owed, the original creditor and a statement guaranteeing that the debt amount would be updated on XXXX credit reports if I paid in full. XXXX XXXX explained that this was an attempt to collect a debt and any information obtained would be used for that purpose. I was told the document would be mailed within a few days. Today, XXXX XXXX, 2015, I viewed XXXX public credit reports and noted that the last reported date had been changed from XXXX/XXXX/2011 to XXXX/XXXX/2015. Instead of providing me with an official document or notice that the debt was owed, National Credit Systems Inc. updated their data with XXXX credit reporting agencies as an malicious attempt to place negative data on my credit report for an additional 7 years. The original negative information was scheduled for deletion approximately less than 1 year from the date that I called them to resolve the matter. I have contacted the original creditor prior to contacting National Credit Systems Inc. and was told that they no longer own the debt. My contract is with the original creditor, XXXX. I have no contract with National Credit Systems Inc. and they refuse to provide with any documentation to support their claim of ownership or purchase of the debt. In good faith I was attempting to resolve this matter. I provided my name, address, SSN, date of birth, employer, and both cell phone and home telephone numbers. \n\nThe debt itself is misleading as it appears on XXXX public credit reports. It is documented as owing {$500.00} and then {$3600.00}. There is a third entry showing an amount owed of {$4100.00}. Per XXXX XXXX of National Credit Systems Inc., the full amount owed is actually {$4100.00}. My interpretation based on the manner the debt ( s ) are documented is that I owe someone, a total of {$8200.00}. In my opinion, considering the amount that this collection agency claims I owe them for debt that they intercepted from the original creditor, a letter or formal communication of some sort is not an unreasonable request. If I request an email or regular mail statement in an attempt to pay a debt, there is no reason for the creditor to penalize me and ruin my credit for an additional 7 years. I called them. According to XXXX XXXX, " we had no way to contact you and the debt would have disappeared within months ''. The tactics used by National Credit Systems Inc. appear to be malicious and unfair in nature in terms of making promises and not following through as well as and most importantly not providing PROOF and descriptions identifying themselves as the actual debt collector and owner. If I had paid in full National Credit Systems Inc. on or about XXXX/XXXX/2015, there would not have been any guarantee that at a later date the original creditor or some other collection agency would not have contacted me claiming ownership of the same debt and demanding payment, therefore starting the process over again. \n Company disputes the facts presented in the complaint National Credit Systems,Inc. TN 381XX Servicemember Consent provided Web 09/17/2015 Closed with explanation Yes No 1568750
284483 08/27/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid I had a assault from this company procollect. I 'm XXXX XXXX And Have Been Threatened With Phone calls, Fino scores, housing issues, higher interest rates, and they have broken the civil service act as Im a XXXX soldier XXXX and they were laughing and yelling at me over the phone over a medical bill from XXXX. I 've been denied home, business loans, and any financial access to loan from this medical bills that are paid off and a furniture bill that is n't mine. I have medical bills paid off from XXXX hospital of XXXX Texas and an furniture bill that was put against me during my XXXX in a XXXX. Both of these are not my bills and have been harassed day and night to include contacting Fico companies fraudulently hurting my ability being XXXX further. This company is called procollect. \n Company chooses not to provide a public response ProCollect, Inc TX 760XX Servicemember Consent provided Web 09/02/2015 Closed with explanation Yes No 1539019
285035 09/10/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine i 'm getting calls XXXX times a day from this number that I linked back to a company named Penn Credit, and they 're asking for someone who does not live with me, about something that I do not owe. I have not answered the calls. They keep leaving unintelligible messages on my answering machine. This has been going on for weeks. I do not owe any debts whatsoever. This is Harassment! \n Company believes it acted appropriately as authorized by contract or law Penn Credit Corporation IL 605XX Older American, Servicemember Consent provided Web 09/10/2015 Closed with explanation Yes No 1559417
285295 08/27/2015 Debt collection Medical Communication tactics Frequent or repeated calls They call using a different number sometimes.they call everyday sometimes 3-4 times a day. I asked them to stop with repeated calls .they said they are in their right by law to make repeated calls til debt is collected.I asked if I submitted a letter to cease the constant calls would they then stop. I was told yes but then I would be sued immediately. I told them what hours my kids go to bed to please refrain from calling past XXXX if they felt they must call and if I had to tolerate the constant calling to keep from being called. I was informed they were in compliance with the law they could call me anytime they wish between XXXX and XXXX, I have a few bills on my self and my husband and could receive calls on each separate account that it was legal to do so.my daughter used my address so I now receive calls on her. I told them she does not live here. I was informed til they had a working number and proof of her address I would be receiving those calls.my daughter was homeless at the time bouncing from home to home giving my home number was for emergency contact only not for billing calls. \n Company believes it acted appropriately as authorized by contract or law Med-1 Solutions, LLC IN 471XX Servicemember Consent provided Web 08/27/2015 Closed with explanation Yes No 1539770
285336 08/27/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid Debt was to XXXX XXXX and we had paid the bill. This XXXX called and demanded that I pay them that XXXX did n't have my account now. Continued pressuring me. I asked for them to send a bill for conformation and she refused. I told her she needed to contact their client and she said that I had to prove I paid it. Very rude and disrespectful. I want all communication to cease and ALL derogatory info off my CR. I am seeking an attorney to file a law suite in TN for their unlawful collection attempt. Several of the laws have been broken for TN collection services. \n Company chooses not to provide a public response Focus Holding Company TN 371XX Servicemember Consent provided Web 09/03/2015 Closed with explanation Yes No 1539789
285691 09/02/2015 Student loan Non-federal student loan Getting a loan Qualify for a better loan than offered I am a co-signer on my son 's private student loan. He is entering his senior year of college and just filled out the paperwork for his last loan through Sallie Mae. The prior two years the fixed interest rate XXXX with me as a co-signer ) was 6.25 %. This year, the interest rate has increased to 9.25 %. When I talked to a manager, she said that the prior XXXX loans on my credit history made the interest rate go up. I have a good income, little debt and feel like Sallie Mae is just taking advantage of the fact that they have a near captive audience and can therefore raise the interest rate by 3 %, even with a co-signer. My son is attending the University of California XXXX. He has another undergraduate degree, so does n't qualify for federal loans. \n Company believes it acted appropriately as authorized by contract or law Sallie Mae ID 837XX Older American Consent provided Web 09/02/2015 Closed with explanation Yes Yes 1549671
285873 10/15/2015 Debt collection Auto Cont'd attempts collect debt not owed Debt is not mine I made a payment with my debit card for someone else 's Auto loan. The account manager, XXXX, billed an unauthorized charge to my card, saved the card to file when I told him not to, and continues to call and hang up after I told him not call my anymore. I recorded the conversations I have had with him and with his Manager XXXX XXXX XXXX. \n Company believes it acted appropriately as authorized by contract or law Byrider Franchising, LLC TX 782XX Servicemember Consent provided Web 10/15/2015 Closed with explanation Yes No 1608652
286011 09/10/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid I received a letter from Bay Area Credit Service indicating that my deceased mother had an outstanding bill with XXXX XXXX XXXX. \n\nWhen I called them at XXXX the man I spoke with said he could not talk to me but only my mother or her husband who was not available. I contacted XXXX XXXX XXXX and and they said that my mother 's accout had a zero balance and they had never sent anything to collections. \n Company can't verify or dispute the facts in the complaint HOVG, LLC WA 981XX Older American Consent provided Web 09/10/2015 Closed with explanation Yes No 1559724
286053 09/24/2015 Debt collection Credit card Taking/threatening an illegal action Attempted to/Collected exempt funds My wife had been paying on a debt from XXXX money. Even though she was paying, they closed her account. She then became XXXX and could not pay. Right after a XXXX injury, they sued her and forced her to go into court with her attorney even though the doctors all documented that she was XXXX She was coerced into making an agreement for {$25.00} a month, even though the doctors permanently took her off of work. We almost lost the house and we had to take all of our money and pay our debt because our mortgage company went bankrupt and made a mistake on our mortgage. She could no longer pay XXXX. She tried to contact them through mail for settling the debt and got no response. \n\nThis year, XXXX money, and MJ elliot served my XXXX wife with another summons through our XXXX court.When she got the summons, it was dated months before. It also said she had only 10 days to answer. This document was months old before she received it. See documents and dates enclosed. \n\nShe had been unemployed through documented XXXX, on XXXX assistance and medicaid because she is still XXXX.She is nearly XXXXdocumented. Belongs to the school XXXX. Documented. \n\nA few weeks ago, we contacted the court and MJ Elliot to see how to work this out and start paying again, The court said MJ Elliot had to drop it or take payments. We then called MJ Elliot who said they no longer had the debt, but yet they still had the summons that the court said only MJ Elliot could drop. \n\nWhen asked about this recently after XXXX complaints XXXX says they are no longer XXXX and are XXXX bank who states that MJ doesnt even have the debt. They are not only trying to get this money from us but so is Mary Jane Elliot. XXXX COMPANIES ARE LISTED ON SUMMONS from XXXX district court. \n\nMy wife sent XXXX {$25.00} and the summons is still in place. XXXX Recently, I had to file taxes.Enclosed, you will see that I got a letter back from my state saying that due to this summons, I will have to give it to XXXX. It is enclosed. \n Company believes it acted appropriately as authorized by contract or law Mary Jane M. Elliott, P.C. Attorneys At Law MI 490XX Servicemember Consent provided Web 09/24/2015 Closed with explanation Yes No 1579131
286058 08/27/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Frequent or repeated calls I could not find a reason in the drop down window however, this is regarding my attempts to set up payment arrangements with a debt collector. \n\nOn XXXX XXXX 2015, I pulled my credit report due to a Statement of Reason I received from the Consolidated Adjudications Facility regarding my security clearance. I contacted XXXX the creditors, Sentry Recovery and collections. I spoke with XXXX XXXX on XXXX XXXX 2015. During this conversation, he requested that I pay at least {$1000.00} down before he could set up a payment arrangement with me for the XXXX accounts his company holds. I told him that I could not come up with that amount and I would have to call him back. \n\nI was referred by my command to seek the assistance of a financial counselor XXXX. On XXXX XXXX, I spoke with my counselor and she attempted to reach XXXX XXXX three time. Two times, messages were left. I returned to see my counselor on XXXX XXXX to attempt to contact XXXX XXXX and again we reached his voicemail. On XXXX XXXX 2015, I returned to see my counselor and this time she made contact with XXXX XXXX. She explained that I was needing a payment plan arrangement and that if, in the future, I have an increase in household pay, I will contact him to adjust my payment plan accordingly. His comments were unprofessional as he told my counselor that I would never call him again. At that time she informed him that he was obligated to entertain a payment arrangement with me and that if he did not, I would be contacting the CFPB. He changed his demeanor and requested that we submit by fax a request to begin a monthly payment plan. I did this and the fax was sent and received by his office on XXXX XXXX 2015 XXXX. \n\nI have again returned to see my counselor on XXXX XXXX 2015, as it has been 7 days since I faxed the request. He has not responded. We attempted to contact him and reached his voicemail and she left a message. \n Company chooses not to provide a public response Sentry Recovery and Collections, Inc. OH 452XX Servicemember Consent provided Web 08/27/2015 Closed with explanation Yes Yes 1540037
286224 09/18/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine I was contacted by ARS about a medical debt that I told them that the veterans admin. was to pay. Second, they put the debt on my credit buerueu without even contacting me by letter or mail. After I called them they were very rude and hung up on me several times after I asked them why this was on my credit .buerua. I was not able to talk to a supervisor and it 's just so frustating to get the run around. I want this off my credit and I am not getting ny answers.. \n Company believes it acted appropriately as authorized by contract or law HCFS Health Care Financial Services, Inc. FL 334XX Servicemember Consent provided Web 09/18/2015 Closed with explanation Yes No 1569885
286239 09/18/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine Fox Collections has refused to provide enough information for me to certify this debt belongs to me. I requested Validation of this debt ( Acct # XXXX XXXX ) and my letter was received by Fox on XXXX XXXX 2015 by certified mail. Fox sent me a letter stating that they had verified my name and address ... nothing else sent. I have attempted to contact the original creditor on file, but they are now out of business and the new company is not servicing their old debt, nor has any record of it. \nValidation request was dated XXXX XXXX 2015 and Fox received it on XXXX XXXX 2015 ( see validation letter attachment ). Fox 's response was received XXXX XXXX and contained no detailed invoice and simply stated my name and the amount owed ( see attached evidence ). After speaking with the representative on the phone I was informed to sign and send in the authorization form at the bottom of the letter they sent. I did so on XXXX XXXX and still have received nothing in the mail. While speaking with the representative I located what I thought might be an EOB relating to the debt in question. The Fox representative and I both agreed that it was not and this EOB did not relate at all to the debt in question. I sent in a second validation letter dated XXXX XXXX 2015, received by Fox on XXXX XXXX 2015 at XXXX ( see attached USPS return receipt and XXXX validation letter attachment ). I have yet to receive a response to this letter. After reviewing Fox 's response and evidence to my XXXX complaint I can only concur that I was correct in my initial evaluation of this alleged debt not being mine because they can not provide me with further details from the actual company. The attached evidence that Fox provided on the XXXX website is from there own files and not the alleged original creditors ' database. \n Company believes it acted appropriately as authorized by contract or law Professional Recovery Management TN 371XX Servicemember Consent provided Web 09/18/2015 Closed with explanation Yes No 1569888
286256 09/18/2015 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect While serving XXXX, I fell behind on money. I applied for a payday loan with NetCredit. After being charged over {$200.00} every two weeks and my balance not going do I did some research and found out I have a 153.01 % interest rate. When I contacted them about this being illegal for XXXX military they blew me off. Having this is ruining my credit score and I can not keep up. \n Company disputes the facts presented in the complaint Enova International, Inc. CA 925XX Servicemember Consent provided Web 09/18/2015 Closed with explanation Yes No 1569889
286442 09/10/2015 Debt collection Auto Taking/threatening an illegal action Threatened to sue on too old debt I was sued me for more money than I owe. My car was sold after the repossession. The sale price was not deducted from the balance. The statute of limitations has expired and they have garnished my pay check. \n Company believes it acted appropriately as authorized by contract or law Autovest, L.L.C. TN 380XX Servicemember Consent provided Web 09/10/2015 Closed with explanation Yes Yes 1558257
286500 10/01/2015 Debt collection Credit card Taking/threatening an illegal action Threatened to sue on too old debt I received a voicemail about a debt from 9 years ago from a respresentative stating to work for XXXX XXXX XXXX number XXXX XXXX XXXX XXXX. Unsure of the debt I contacted the phone provided and was informed that they were suing me for a debt I apparently owed in 2008 to Kay Jewelers for {$2000.00}. After informing them that I had no knowledge of the debt or have I received any communication of the debt, he informed me that I could no longer challenge whether the debt was actually mind. He then gave me XXXX options to pay the debt. I refused stating again that I can not pay for something I do not owe. He then threated that I was being sued and that my wages would be garnished. Before I could ask any more questions, the representative stated, " Good luck in court '', before hanging up. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Sterling Jewelers Inc. SC 293XX Servicemember Consent provided Web 10/01/2015 Closed with explanation Yes No 1589344
286539 09/03/2015 Debt collection Medical Taking/threatening an illegal action Sued w/o proper notification of suit I was called yesterday by the number ( XXXX ) XXXX debt collectors. They threatened to sue me, and garnish my wages if I do n't pay. This debt is in my maiden name. I never provided my husbands info. The brought up my husband and saying he had an income. I know I have a medical bill balance. I was very sick for a while and could n't work. \n Company believes it acted appropriately as authorized by contract or law Agency of Credit Control CO 801XX Servicemember Consent provided Web 09/03/2015 Closed with explanation Yes No 1550486
286683 09/10/2015 Debt collection Credit card Communication tactics Used obscene/profane/abusive language I submitted a complaint regarding the debt collection agency, Hunter Warfield to the CFPB because they were giving me great difficulty in resolving my debt. When I initially contacted them they offered me a repayment rate that I initially could not accept. Later they changed that rate and then refused to negotiate a repayment rate of any kind saying that I had to pay in full. After contacting the CFPB, Hunter Warfield agreed upon a repayment rate. They then responded to the CFPB saying that we had successfully resolved the issue. Although we agreed upon a repayment rate Hunter Warfield refused to provide me with an agreement letter stating the terms of the repayment. They also refused to provide me with a receipt for the each payment that I made. In my mind this is not full resolution. I would like a letter stating the terms of the new agreement. My original complaint number is : Case number : XXXX. \n\nThank you for your help. \n Company believes the complaint is the result of a misunderstanding Hunter Warfield, Inc. CA 930XX Servicemember Consent provided Web 09/12/2015 Closed with explanation Yes No 1561171
286689 09/24/2015 Debt collection I do not know Disclosure verification of debt Right to dispute notice not received I learned of an alleged debt of {$3000.00}, when i was contacted by my Human Resources ( HR ) department on XX/XX/XXXX, stating that a request had been received to garnish my wages. A company by the name of Pioneer Credit Recovery ( PCR ) has apparently been retained to collect on a debt alleged from the department of defense from XX/XX/XXXX. This information was given to me verbally over the phone by an agent named XXXX XXXX of PCR, on XX/XX/XXXX. I advised her that I 've never received any requests, statements or notices for payment from this agency nor from PCR prior to speaking with my H.R. Department. XXXX XXXX told me that she would fax all of the applicable documents pertaining to the debt to me. I have not received any documents nor demand for payment letters to date. \n\nI 'm filing this complaint because PCR, has violated the fair debt collection act ( FDCPA ) by failing to send me a debt validation notice prior to proceeding with legal action. They have failed to properly validate my debt after written and oral requests for the applicable validation documentation. They have not allowed me due process in defending my consumer rights and these actions on the part of PCR are all consistent with violations to the FDCPA. \n\nI demand that the efforts to garnish my wages be, extinguished until I 've been properly notified of the alleged obligations to a debt of more than {$3000.00}, which is completely unfounded. \n\nThese accusations are false and i intend to prove, that i do not owe money to the dept of defense. \n Company chooses not to provide a public response Navient Solutions, Inc. MO 640XX Servicemember Consent provided Web 09/28/2015 Closed with explanation Yes No 1577803
286719 08/27/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid First, none of the provided choices for the second question matched my issue, so I chose " Debt was paid '' so I could go to the third question. My issue is with Revenue Recovery Corp collection agency. On XXXX I went to the XXXX, I was seen XXXX and the problem was fixed. My military insurance paid XXXX XXXX all but {$35.00} dollars on my account. Revenue Recovery Corp receives the debt and reports the debt on my credit report broken down into several accounts : {$2.00}, {$1.00}, {$1.00}, {$2.00}, {$2.00}, {$1.00}, {$21.00}. Each XXXX was turned in as an account. This was also done XX/XX/XXXX, my bill was broken down into an amount per x-ray and turned in as separate account, XXXX separate accounts, if my memory serves me right! This was XXXX account broken down and turned in on my credit report as several separate accounts!!!! This has effected my credit score negatively as well as my Life! It appears to have been done purposely to effect my credit report as to force me to pay. This was a single account and it should have been turned into my credit report as such. If it is not illegal, it should be! \n Company chooses not to provide a public response Revenue Recovery Corporation KY 408XX Servicemember Consent provided Web 08/27/2015 Closed with explanation Yes No 1540195
286849 10/02/2015 Debt collection Federal student loan Communication tactics Frequent or repeated calls Sallie Mae made 4 robocalls to both my home phone ( XXXX and my cell numbers in one day. I had previously asked that they did not call my cell number but I was fine with home calls. In a discussion with them tonight I felt harassed by four calls in one day especially since the person who took out the loan had made arrangements earlier in the day for payment. She had also contacted them before about payment and is in the process of having my name removed as a co-signer. The person I was talking to raised her voice and told me it was within guidelines to call that many times. I feel her talking angrily and unprofessionally to me was demeaning and unnecessary. I asked to talk to a supervisor. XXXX XXXX, the supervisor, again told me this was not harassment. I feel four calls after arrangements were made is four too many not to mention 2 of them were to a number I asked them not to call. \n Company believes it acted appropriately as authorized by contract or law Sallie Mae PA 157XX Older American Consent provided Web 10/02/2015 Closed with explanation Yes No 1589903
286950 08/27/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Frequent or repeated calls Since I blocked there number on my phone, ( they use XXXX different numbers ) I have received over XXXX calls. Sometimes up to XXXX times a day calling me. If I pick up and hang up they will turn around and call again. Last Monday XXXX XXXX they called me at XXXX, XXXX and again at XXXX. Along with every day of the week they constantly call me. \n Company can't verify or dispute the facts in the complaint Credit Protection Association, L.P. OH 432XX Servicemember Consent provided Web 08/27/2015 Closed Yes No 1540267
286975 10/02/2015 Debt collection Auto Cont'd attempts collect debt not owed Debt is not mine JD BYRIDER { CNAC }, XXXX, Iowa has been taking car payments, electronically out of my checking account for the last month and a half without my permission or consent for a vehicle loan that is in no way associated with me or my name.I am XXXX years old and am trying to survive on a fixed income and now have a negative checking account balance. \n Company believes it acted appropriately as authorized by contract or law Byrider Franchising, LLC IL 612XX Older American Consent provided Web 10/09/2015 Closed with explanation Yes No 1589943
286984 09/25/2015 Debt collection Medical Disclosure verification of debt Right to dispute notice not received Debt collector did not send a dunning letter at all. Did not call me, made no contact before reporting this to the Credit Reporting agencies, XXXX, XXXX and XXXX. This is a violation of the California XXXX FDCPA. This is not the first time they have done that. Just a few months ago the CFPB helped me with the exact same situation with the exact same company who listed ten items on my XXXX file and XXXX on my XXXX file. They did end up deleting the items because I threatened to sue for damages and because of my complaints to this agency as well as the XXXX, FTC and the XXXX Attorney General. \n\nIt seems they 're back at it again. This is a rogue company that does not abide by XXXX State Consumer Protection Laws. Please help me. \n Company believes it acted appropriately as authorized by contract or law Fidelity Capital Holdings, Inc. CA 934XX Servicemember Consent provided Web 09/25/2015 Closed with explanation Yes No 1579885
287144 09/10/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid This number called my cell numerous times ; XXXX called today at XXXX,, XXXX XXXX, 2015 from American Capital asking for my daughter, who is a minor. I do not owe anything. All my bills are paid. I have excellent military insurance that give me a co-pay to pay which I have to do before services are rendered. I have repeatedly made this clear. I keep getting fraudulent calls and placed into collections for co-pays form XXXX XXXX XXXX XXXX XXXX of XXXX on XXXX XXXX. I have called back many times and are being harassed and bullied to pay expenses I do not owe. I have already paid several co-pays XXXX or that I do not owe to stop the XXXX billing practices, bills and phone calls. \n Company disputes the facts presented in the complaint American Capital Enterprises, Inc. CA 925XX Servicemember Consent provided Web 10/01/2015 Closed with explanation Yes No 1560038
287270 09/11/2015 Debt collection Credit card Communication tactics Threatened to take legal action I could not find the exact " describe the issue '' choice, but Atlantic Finance threatened me that unless I made my payments via a monthly electronic payment system, they would sell my debt to a company that would add more interest until the debt was paid off, therefore dramatically increasing the amount of my debt when I agreed to payments but only wanted to pay by USPS money order. \nSaid my credit would get a negative report if I did n't pay electronically. \nXXXX XXXX and his " supervisor XXXX '' Harassed me and used threats of credit harm if I did n't open up some kind of electronic XXXX card payment system to make my monthly payments. So, at much hardship and more expense I did open a pre-paid credit card and made my first payment. The very next day I received hard copy correspondence from Atlantic Credit and Finance that included a payment form for paying with a money order or check??? OR electronic CC payment IF I CHOSE. \nI am a XXXX year old totally and permanently XXXX Veteran, my total monthly income is from my VA XXXX pension which is less than {$1100.00} ANY extra expense is a extreme hardship on my financial abilities, and I explained this to Atlantic Finance when I stated that I only wanted to pay via money order or check to avoid any electronic fees or give any of my private financial information to a collection agency because of all the reported harms done by collection agencies to others when they provided personal financial info unrelated to the debt. \nI agreed to make the payments to protect what little credit I have, even though I felt in principle that the original debtor XXXX XXXX, had broken a agreement with me for payments when I was ill and could't keep up with the full payments but offered " good faith '' payments until my health would allow me to catch up. I fulfilled my part of the agreement with XXXX XXXX, but the reneged just before XXXX causing me to not be able to purchase the gifts for my grandchildren I wanted to. I admit I was so angry and upset XXXX, that I just did n't care and told XXXX XXXX this. But after contact by Atlantic, I did agree to pay off the debt if they would n't harm my credit as long as I was current. They said they could n't but convinced me that as long as I was paying that 's all that would show, that I was paying a monthly obligation. But they insisted that they could only accept a electronic payment, otherwise they would sell my debt to another company that would continue to add interest charges and that I would incur much more debt! \n\nI was harassed, demeaned for my original debt to XXXX XXXX, coerced and outright threatened with more debt added, unless I agreed to make electronic payments and incur the added expenses. \n Company chooses not to provide a public response Atlantic Credit & Finance, Inc. CA 922XX Older American, Servicemember Consent provided Web 09/11/2015 Closed with non-monetary relief Yes No 1561568
287271 09/11/2015 Debt collection Credit card Communication tactics Threatened to take legal action I could not find the exact " describe the issue '' choice, but XXXX XXXX threatened me that unless I made my payments via a monthly electronic payment system, they would sell my debt to a company that would add more interest until the debt was paid off, therefore dramatically increasing the amount of my debt when I agreed to payments but only wanted to pay by USPS money order. \nSaid my credit would get a negative report if I did n't pay electronically. \nXXXX XXXX and his " supervisor XXXX '' Harassed me and used threats of credit harm if I did n't open up some kind of electronic XXXX card payment system to make my monthly payments. So, at much hardship and more expense I did open a pre-paid credit card and made my first payment. The very next day I received hard copy correspondence from XXXX that included a payment form for paying with a money order or check??? OR electronic CC payment IF I CHOSE. \nI am a XXXX year old totally and permanently XXXX XXXX Veteran, my total monthly income is from my VA XXXX pension which is less than {$1100.00} ANY extra expense is a extreme hardship on my financial abilities, and I explained this to XXXX XXXX when I stated that I only wanted to pay via money order or check to avoid any electronic fees or give any of my private financial information to a collection agency because of all the reported harms done by collection agencies to others when they provided personal financial info unrelated to the debt. \nI agreed to make the payments to protect what little credit I have, even though I felt in principle that the original debtor Best Buy, had broken a agreement with me for payments when I was ill and could't keep up with the full payments but offered " good faith '' payments until my health would allow me to catch up. I fulfilled my part of the agreement with Best Buy, but the reneged just before XXXX causing me to not be able to purchase the gifts for my grandchildren I wanted to. I admit I was so angry and upset XXXX, that I just did n't care and told Best Buy this. But after contact by XXXX, I did agree to pay off the debt if they would n't harm my credit as long as I was current. They said they could n't but convinced me that as long as I was paying that 's all that would show, that I was paying a monthly obligation. But they insisted that they could only accept a electronic payment, otherwise they would sell my debt to another company that would continue to add interest charges and that I would incur much more debt! \n\nI was harassed, demeaned for my original debt to Best Buy, coerced and outright threatened with more debt added, unless I agreed to make electronic payments and incur the added expenses. \n Company chooses not to provide a public response Citibank CA 922XX Older American, Servicemember Consent provided Web 09/11/2015 Closed with explanation Yes No 1561569
287454 10/15/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine On XXXX/XXXX/15, we received a phone call from a company claiming to be representing XXXX XXXX regarding a past due bill for a doctor 's appointment that took place in XXXX 2015. Knowing that this was most likely a scam, we asked the person calling for a return phone number, at which time she hung up. From our caller ID log, we obtained the phone number and called them back. A live person did answer the phone with the name of a supposed collection agency - however, when pressed for more information, the person hung up. We called XXXX XXXX directly and were told by a customer service representative in their billing department that there were no outstanding invoices. The XXXX XXXX representative was also able to provide us with the name and address of the collection agency that called us when we gave him their phone number. He also confirmed that XXXX XXXX does NOT do any business with the company who called us. Here is the information on the deceptive agency : Holloway Credit Solutions, XXXX XXXX XXXX, XXXX, AL XXXX - ph ( XXXX ) XXXXThank you. \n Company believes it acted appropriately as authorized by contract or law Holloway Credit Solutions FL 347XX Servicemember Consent provided Web 10/15/2015 Closed with explanation Yes Yes 1609116
287457 08/27/2015 Debt collection I do not know False statements or representation Attempted to collect wrong amount I used to live in XXXX of XXXX XXXX apartment at XXXX, NJ with my friend since XXXX XXXX to XXXX XXXX and joint the XXXX, but before I left I went to talk to the manager to remove my name and everything from that apartment. She did everything and I also signed all the paper, so my friend only live in that apartment. Then now as XXXX XXXX XXXX I have collection debt as {$2200.00} from nowhere. How do I left the apartment without any debt and now after 2 years I 'm having one. I always pay my rent ... \n Company believes it acted appropriately as authorized by contract or law First Advantage LNS Inc. NJ 136XX Servicemember Consent provided Web 09/04/2015 Closed with explanation Yes No 1540410
287999 10/16/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt was paid I had a credit card debt that was closed. MSW Capital bought the closed account and used XXXX XXXX XXXX XXXX to collect. XXXX contacted me to start a payment plan. I was told that the debt was paid. However, MSW Capital, blindly, set up an interest on the closed account. I have tried to contact MSW Capital for 3 months. I was contacted once by MSW by XXXX XXXX. He told me that it was unusual to charge interest. He said he was going to look into the contract. He never contacted me back. I have made complaints with the XXXX, but it was unresolved. I just want my credit corrected and stop making payments. I have made a $ XXXX monthly payment for 3 years. I am an XXXX soldier with a security clearance. I do n't my renewed clearance jeopardized by this issue. MSW Capital had no right in buying my account, charging interest, and use a third party collector to collect on the account, without my consent. \n Company chooses not to provide a public response MSW Capital, LLC OH 432XX Servicemember Consent provided Web 10/16/2015 Closed with explanation Yes No 1610244
288100 10/16/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine On XXXX/XXXX/XXXX and XXXX/XXXX/XXXX XXXX Filed Collection Charges with XXXX and XXXX respectively. On XXXX/XXXX/XXXX I spoke by telephone with XXXX XXXX XXXX, at XXXX XXXX XXXX. I let XXXX XXXX know that on XXXX/XXXX/XXXX Citi charged off my accounts and closed it. Citi reported the Charge Offs to all three ( 3 ) Credit Agencies, which adversely affected my credit status. On XXXX XXXX, Citi sold the charged off account to XXXX XXXX. I have never heard from XXXX XXXX, until their negative collection pursuits were reported to XXXX and XXXX. With this Double Jeopardy, my credit status hit a serious negative declination. And today with XXXX XXXX filing collections with XXXX, another severe blow was administered to my credit report of a negative XXXX points. My overall Score is now XXXX. With every reporting by Citi and XXXX XXXX, my credit score has gone down in the latrine. I want XXXX XXXX & Citi 's onslaught to my credit be STOPPED. Both Citi and XXXX XXXX should reverse the negative scores on my credit. I am exhausted, stressed and at a total loss what to do. I am a XXXX XXXX XXXX Veteran with XXXX, and is fighting a battle to get my health back. On XXXX XXXX XXXX the Department of Veterans Affairs certified me with a XXXX rating of XXXX. I seek immediate relief. Please help. Very Respectfully. XXXX XXXX XXXX \n Company chooses not to provide a public response Citibank OR 970XX Older American, Servicemember Consent provided Web 10/16/2015 Closed with explanation Yes No 1610075
288122 10/08/2015 Payday loan Payday loan Payment to acct not credited Payment to acct not credited Advance America Cash Advance ; XXXX XXXX XXXX XXXX TX XXXX, ( XXXX ) XXXX or FAX ( XXXX ) XXXX, Rep : XX/XX/XXXX - Cash Advance was $ XXXXOption to pay {$250.00} in full or {$100.00} per month and up XX/XX/XXXX with balance owing {$360.00}. The complaint that stands out with issues : XX/XX/XXXX - paid {$100.00} on the loan but it only went toward the principle of {$1.00} interest but no decrease in the principle balance with a new total amount owing {$250.00} on the account. Only " Installment Payments, '' as interest or added on per month. This procedure have been changed within several months XX/XX/XXXX. What disturbs this situation of payment, is being feeling duped and owing more then the amount loaned by paying {$100.00} per month and the balance never changes for consumers. Is this procedure illegal in adding interest on each payment and not the balance? \n Company believes it acted appropriately as authorized by contract or law Advance America, Cash Advance Centers, Inc. TX 770XX Older American Consent provided Web 10/08/2015 Closed with explanation Yes No 1599862
288193 10/16/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt resulted from identity theft Stellar Recovery Inc Keeps calling my cell phone too frequently at all times of the day for a debt that was a fraud account and was not my account. They need to cease with this activity \n Company believes the complaint is the result of a misunderstanding Stellar Recovery Inc. FL 334XX Older American Consent provided Web 10/16/2015 Closed with explanation No No 1610225
288309 09/25/2015 Debt collection I do not know Communication tactics Frequent or repeated calls It must be collection season again. This is not my debt, nor is there any reason for this company to be calling me. It just happens that I share the same surname as the party they are seeking. To be even more annoying this company is calling my cell phone. I would like to know how they got my cell number and why they are calling me. I am on the Federal and Pennsylvania Do Not Call List. \n Company believes it acted appropriately as authorized by contract or law HCFS Health Care Financial Services, Inc. PA 150XX Older American Consent provided Web 09/28/2015 Closed with explanation Yes No 1580430
288516 09/25/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid This MEDICAL billings referenced in either XXXX XXXX XXXX original account numbers XXXX or XXXX have been fully paid by The Department of Veterans Affairs, ( XXXX, WI ). Documentation from the VA agency ( dated XXXX XXXX, 2015 ) is proof of payment. However, Commonwealth Financial Systems has improperly reported XXXX or both of the {$810.00} billings as a Charge Off-Collections action to the XXXX credit bureau. The payor is not the patient, but is The Department of Veterans Affairs, VA, ( XXXX ). The XXXX VA office has provided a detailed XXXX-page payment document that clearly identifies the all-inclusive payment to the initial provider, XXXX XXXX XXXX, XXXX, WI. The full payment, dated XXXX XXXX, 2015, is recognized by Federal Law to the INITIAL medical provider, and it is also recognized as FULL PAYMENT to associated medical providers who had provided medical procedures relevant to the care at the XXXX XXXX XXXX. Important : An associated medical procedure is also recognized as a " Packaged '', " Inclusive '', or " Unbundled '' line item on any billing, and page XXXX of the Veterans Administration ( VA ) sheet clearly identifies those line items " are not the patient responsibility. '' In this matter, the VA payment is to the Hospital and separate Medical Providers are to gain their payment ( s ) from the Hospital. This is a MEDICAL issue, and any report of a delinquency ( which is not the case, here, because it is paid ), must include a " Dispute '' annotation if reported to a Credit Bureau. However, Commonwealth Financial Systems identifies XXXX ( or both ) of the Infinity billings a a " Charge Off-Collections '' action without accurately identifying the matter as a Medical Dispute. \n Company believes it acted appropriately as authorized by contract or law Commonwealth Financial Systems, Inc. WI 549XX Older American, Servicemember Consent provided Web 09/28/2015 Closed with explanation Yes Yes 1581536
288620 09/25/2015 Debt collection Medical Disclosure verification of debt Right to dispute notice not received I recently discovered an account on my credit report for which I have not received any information. I have started an investigation with XXXX and would also like to start it here. I did not receive any information informing me of this debt from the collection agency, and it says it has been with the company since XXXX 2015. \n Company believes it acted appropriately as authorized by contract or law Collections Inc MS 395XX Servicemember Consent provided Web 09/25/2015 Closed with explanation Yes Yes 1579805
288711 09/03/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I terminated my service with XXXX in XXXX 2015 due to dissatisfaction with their billing. They sold me a digital receiver and offered a refund when the analog receiver being replaced was returned. Never received the box to return the old receiver, and when called, they denied agreeing to the refund. I had verbally agreed to extend my contract for two years. So I cancelled my service. I got a " termination fee '' bill of {$380.00}. I was aware of XXXX Revised Statute 44-101 ( 5 ) which states that a verbal agreement not to be performed within one year is unenforceable. Since I never signed the agreement, I wrote to XXXX on XXXX XXXX, 2015 advising them of the statute and the unenforceability. Then I began receiving robo-calls from Focus Receivable Management in XXXX ( XXXX ) asking me to call them. I did receive three calls from employees, and I refused to discuss my personal business with an unknown party. I told them I would respond to a written letter, but not to a phone call. I have yet to receive a phone call, and I only guess the location of the company based on a XXXX search. I realize under federal law ( Fair Debt Collection Practices Act ) I can only stop the phone calls by written notice, but I have no location info to send such a letter. Please help me stop this harassment. \n Company chooses not to provide a public response Focus Holding Company AZ 852XX Older American, Servicemember Consent provided Web 09/04/2015 Closed with explanation Yes No 1552191
288792 09/25/2015 Debt collection Mortgage False statements or representation Impersonated an attorney or official I have no contract with this 3rd party debt collector. \n Company chooses not to provide a public response Bank of America DE 197XX Servicemember Consent provided Web 09/25/2015 Closed with explanation Yes No 1581170
288816 09/03/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was discharged in bankruptcy i used to own a piece of propriety that has a assocation fee which was due way before i filed for chapter XXXX bankrupcy in 2011 they are still trying to collect even though it was discharged \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Credit Bureau of Traverse City, Inc. MI 488XX Older American Consent provided Web 09/03/2015 Closed with explanation No No 1551115
288956 09/25/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount This company sent a letter collecting a debt for XXXX for an account number that is not mine. \n Company believes it acted appropriately as authorized by contract or law ERC VA 201XX Servicemember Consent provided Web 09/25/2015 Closed with non-monetary relief Yes No 1579819
289037 09/18/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine my initial complaint is # XXXX. Back in XXXX and XXXX I submitted a complaint against Stellar Recovery their phone number is XXXX. They continue to robo call my home each day different times of the day. The automated message gives different peoples names. People I have never heard of. My husband and I are senior citizens and are not in any debt collection. I also wonder if this Stellar Recovery has a charter to collect money in Arizona as there company is in Maryland. I would like to know the status of my complaint as I am still receiving these harassing calls. The status in your database states it is under dispute.. Who is disputing my complaint ; surely it can not be Stellar Recovery as we do n't owe any money that is in collections. \n Company can't verify or dispute the facts in the complaint Stellar Recovery Inc. AZ 853XX Older American Consent provided Web 09/18/2015 Closed with explanation Yes Yes 1571125
289039 09/26/2015 Debt collection Medical Disclosure verification of debt Right to dispute notice not received XXXX XXXX XXXX XXXX in XXXX, XXXX - XXXX XXXX XXXX # XXXX XXXX, XXXX XXXX performed services that were stated as covered under XXXX insurance only to receive bill of {$440.00} afterwards. Contacted attorney who wrote to this company asking for verification of charges be faxed to attorney 's office which was never done. One year later debt is now turned over to Professional Credit Service at XXXX. XXXX XXXX XXXX XXXX XXXX for collections. \n Company chooses not to provide a public response Ray Klein, Inc. CA 937XX Servicemember Consent provided Web 09/26/2015 Closed Yes No 1581613
289289 09/26/2015 Debt collection Non-federal student loan Communication tactics Frequent or repeated calls co signed a student loan for my son, he has fallen on hard times unable to pay, I have retired, and have a very limited income, unable to pay. my son will be able to take care of this himself soon. The company calls by auto dialing everyday at least XXXX times a day on weekends the calls start at XXXX continue every hour until about XXXX. I have explained my deli ma, they offer me no other solutions. \n Company disputes the facts presented in the complaint Sallie Mae SC 292XX Older American Consent provided Web 09/26/2015 Closed with explanation Yes No 1581686
289310 09/26/2015 Debt collection Other (i.e. phone, health club, etc.) Taking/threatening an illegal action Threatened to sue on too old debt About 20 or 25 yrs ago Citi Bank said that i owe them some money but I never took out any loan or anything from Citi Bank, I sent word to the D.A in their home town but they never got any word from them, now almost 10 yrs. later I get a letter fro a company called XXXX XXXX they took over the loan or some thing I do not know. Now they say I owe the around XXXX and sum thing \n Company chooses not to provide a public response Citibank DE 198XX Older American, Servicemember Consent provided Web 09/26/2015 Closed with explanation Yes Yes 1581838
289355 09/26/2015 Debt collection Credit card False statements or representation Indicated shouldn't respond to lawsuit What the Defendant as surmised of this case and the way it was mishandled is as follows : Plaintiff and XXXX XXXX acquired Defendants XXXX mailing address from credit card report, XXXX, without prior permission and tried to use it as evidence of Defendants residency. \n\nDefendant received a summons addressed to XXXX XXXX XXXX, XXXX to appear in this Court on XXXX XXXX, 2014. Defendant answers the summons on XXXX XXXX, 2014 that stated he resides in the State of XXXX, and would be unable to attend the hearing, due to employment obligations. \n\nDefendant receives another summons addressed to the XXXX address to appear in Court on XXXX XXXX, 2014 at the request of Plaintiff, without giving an option to XXXX 's circumstances. \n\nPlaintiff supplied numerous XXXX XXXX Statements and a copy of the Contract prior to XXXX XXXX, 2014, to the Defendant and the Court for viewing as evidence. \nDefendant discovered that the documents had been altered to show the appearance that the Defendant had been receiving these statements in XXXX. \nDefendant has never received any Bank statement documents from XXXX Bank at a XXXX address. \n\nDefendant has supplied the Court with factual evidence to proof his XXXX residency. To prove that the Plaintiff has filed in the wrong judicial jurisdiction, and case must be dismissed. \n\nDefendant on XXXX XXXX, 2014 notified the Court and the Plaintiff that the Defendant would not be able to appear on the XXXX XXXX date, due to his XXXX employment obligations. The filing returned address was my XXXX. \n\nWell the case was heard on XXXX XXXX, 2014, without the presence of the Defendant. The Plaintiff had prepared an Order Judgment document for the Judge to sign at the hearing, and through some persuasion his wishes were granted. Along knowing that he had won the case without having to argue against a Defendant objection. \n\nWHY WAS THIS CASE HEARD, without giving consideration to a Defendant rights to present some defense. When everyone knew the Defendant was not going to be present. \nWhat type of " Dog and Pony '' show was this hearing? \n\nDefendant has submitted several requests to have this Case Vacated, based on the facts ; that ALL the evidence brought to this Court by the Plaintiff and client XXXX XXXX Bank is false. \nThis was just a clever, disrespectful and unlawful attempt to try and show that the Defendant resides in XXXXThe Defendant after receiving the shocking notice of Summary Judgment several months later as it was sent to XXXX XXXX XXXX XXXX, XXXX and then forwarded to Defendants legal residency address in XXXX. \n\nDefendant filed a Dismissal request with the Court and the Plaintiff in XXXX 2014 with a return address receipt showing his XXXX address. \n\nIF the Defendant is to be held contractually obligated with the XXXX XXXX Card Contract and all its contents that the Plaintiff presented to the Court as evidence. If So ; then the whole contract has to be recognized, not just bits and pieces. \n\nThe Plaintiff should be obligated to follow the Contract agreement under " Arbitration and Hearings '' and propose a means of arbitration and possible mutual settlement. \n\nAt no time during these proceedings has Arbitration been presented to the Defendant by the Plaintiff or its client XXXX XXXX. Violation of XXXX XXXX 's contract with Defendant. \n\nPlaintiff should consider their decision for Dismissal as they did in Case XXXX, XXXX XXXX XXXX. XXXX, when it became perfectly clear that I was not a XXXX resident, and you were filing in the wrong jurisdiction. \n\nDefendant is returning to XXXX residence. \n Company chooses not to provide a public response Javitch, Block & Rathbone LLC CA 926XX Older American Consent provided Web 09/26/2015 Closed with explanation Yes Yes 1581828
290080 09/27/2015 Debt collection Credit card Improper contact or sharing of info Talked to a third party about my debt Rushmore Service Center Collection Agency, XXXX, Rushmore Service Center ( RSC ) debt collector and XXXX, RSC debt collector violated our rights and three known statues of the Fair Debt Collection Practice Act and Privacy Act of XX/XX/XXXX. XXXX and XXXX were informed that we were recording the phone call. \nIn the state of Nebraska, it is a Class III misdemeanor to violate the Fair Debt Collection Practice Act. The following will provide detail regarding the aforementioned statutes and offenses with RSC and it 's debt collection representatives, XXXX and XXXX. \nThe statues are listed below which RSC has violated : The Fair Debt Collection Practice Act : ( 1 ) The Fair Debt Collection Practice Act Section 805. COMMUNICATION WITH XXXX PARTIES. [ 15 USC 1692c ] Except as provided in section 804 ( noted below ), without the prior consent of the consumer given directly to the debt collector, or the express permission of a court of competent jurisdiction, or as reasonably necessary to effectuate a post judgment judicial remedy, a debt collector may not communicate, in connection with the collection of any debt, with any person other than a consumer, his attorney, a consumer reporting agency if otherwise permitted by law, the creditor, the attorney of the creditor, or the attorney of the debt collector. \n\n( 2 ) The Fair Debt Collection Practice Act Section 804. Acquisition of location information [ 15 USC 1692b ] Any debt collector communicating with any person other than the consumer for the purpose of acquiring location information about the consumer shall - ( 2 ) not state that such consumer owes any debt ; ( 3 ) The Fair Debt Collection Practice Act Section 805. [ 15 USC 1692c ] CEASING COMMUNICATION. If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. For the purpose of this section, the term " consumer '' includes the consumer 's spouse, parent ( if the consumer is a minor ), guardian, executor, or administrator. \n( 4 ) The Fair Debt Collect Practice Act 806. [ 15 USC 1692d ] Harassment or Abuse. Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with the intent to annoy, abuse, or harass any person at the call number. \n\nIn XX/XX/XXXX, during, approximately 3 or 4, phone conversations and with a written notification included with my check payment, I had informed RSC several that I wanted to exercise my rights under the Fair Debt Collection Act and Privacy Act of XX/XX/XXXX to resolve this debt with XXXX. RSC continue to call and harass me. \nOn XX/XX/XXXX, XXXX from RSC called my home phone. My wife, XXXX XXXX, answered the call. XXXX informed my wife that she was with RSC and she was recording the conversation. XXXX XXXX then informed XXXX that she was recording the phone conversation as well. First, XXXX asked to speak to me, XXXX XXXX. XXXX XXXX informed her that I was not available and offered to take a message. Next, XXXX without my consent told XXXX XXXX about the origin of the debt and the amount of the debt. XXXX consistently tried to provoke and engage my wife to commit to pay the debt or make payment arrangements to pay the debt. XXXX XXXX continued to inform XXXX that she was recording the call and requested the necessary information for written message. XXXX continued to harass XXXX XXXX for a payment. At one point, XXXX would not provide a call back number. Finally, with my wife 's persistence, XXXX finally provided the necessary information for a written message. I need to be compensated for my rights being violated, secondly my wife need to be compensated, and third RSC needs to fined. \n Company believes it acted appropriately as authorized by contract or law Rushmore Service Center, LLC NE 681XX Servicemember Consent provided Web 09/30/2015 Closed with explanation Yes No 1581877
290296 09/03/2015 Debt collection Other (i.e. phone, health club, etc.) Taking/threatening an illegal action Threatened to sue on too old debt This debt is over 6 years old and it has not been proven that I owe this debt. I have not been provided with papers that show I agreed to pay what they say I owe. I have not been provided with a list of any and all services or goods purchased and a line by line itemization of charges and how they calculated what they say I owe. The creditor needs to prove that the statute of limitations has not expired on this account. \n Company disputes the facts presented in the complaint BYL Collection Services CA 923XX Older American Consent provided Web 09/03/2015 Closed with explanation Yes No 1551731
290323 09/03/2015 Debt collection Other (i.e. phone, health club, etc.) Taking/threatening an illegal action Threatened to sue on too old debt This debt is over 6 years old and it has not been proven that I owe this debt. I have not been provided with papers that show I agreed to pay what they say I owe. I have not been provided with a list of any and all services or goods purchased and a line by line itemization of charges and how they calculated what they say I owe. The creditor needs to prove that the statute of limitations has not expired on this account. \n Company can't verify or dispute the facts in the complaint National Credit Systems,Inc. CA 923XX Older American Consent provided Web 09/03/2015 Closed with explanation Yes No 1552217
290421 09/28/2015 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Contacted me instead of my attorney I am in a dispute with a former landlord from 2014, the landlord did receive my 90 day notice to vacate on XXXX/XXXX/2014 by certified mail # XXXX XXXX XXXX XXXX XXXX, along with my request that " ALL '' correspondences be sent to my attorney, yet his collection company has disregarded my request. I continue to dispute the debt and refuse to make payments. The agency also has not provided any options in there validation letter advising me of my rights if I disagree with the client. \n Company believes it acted appropriately as authorized by contract or law Ross, Stuart & Dawson Inc MI 480XX Older American Consent provided Web 10/02/2015 Closed with explanation Yes Yes 1582297
290464 09/04/2015 Debt collection Other (i.e. phone, health club, etc.) Taking/threatening an illegal action Seized/Attempted to seize property USA Discounters garnished my account and stated that if I did not pay {$2900.00}, they would keep my account locked. The amount previously stated was more than half of my account. I agreed to pay so that my account could be released and I could use the remainder of my money to buy food and other required things for my children and household. \n\nWhen they garnished my wages, I was unable to pay my rent and bills. My landlord contacted my XXXX my work. Now, I am facing disciplinary actions at my job and possible eviction, as I have been late on my rent before due to financial issues. \n\nI was attempting to pay off my debt with USA Discounters previously and agreed on a settlement of {$3600.00}. I paid {$1800.00} XX/XX/XXXX and because of financial hardships was unable to pay the rest. My intentions were to continue paying off my debt once my situation improved. I was going to begin making payments again XX/XX/XXXX as things were looking better financially. \n\nUSA Discounters contacted the finance department to have my wages garnished and sent paper work to my commander about my debt. This caused me undue embarrassment and interfered with my work. They harassed me at work. \n\nWhen I attempted to gain access to my XXXX account on XXXX XXXX 2015, it was locked due to a garnishment placed there by USA Discounters. There was a note on my account stating that I should call an Attorney, XXXX XXXX XXXX XXXX XXXX. I contacted him and he stated that he can not release my account until I call the creditor, USA Discounters and come to some agreement with them about making payments. \n\nI called XXXX XXXX XXXX XXXX ) and she told me that I violated the original agreement by not continuing the payment so now I would have to pay half of the original debt ( {$5800.00} ). I told her that I could not afford to do that because I would n't be able to pay my rent and other expenses. She stated that if I did not pay the {$2900.00}, they would continue to hold my account and I would n't have access to it. \n\nI felt like I had no other choice. I needed groceries for my household and I had to pay child care and other acute expenses so under duress, I reluctantly agreed to sign a garnishment disposition authorizing the bank to release the money. \n\nAfter paying USA Discounters the money, my account was released. I did not have enough money after that to pay for all my required living expenses. I could not afford my rent or bills. I used the remainder of the money in my account to purchase needed food, pay for child care and other immediate necessities. Because I did not pay my rent, the landlord went XXXX and filed a complaint against me for not paying my rent. I have to face possible disciplinary actions at this time and I am under extreme pressures from everyone, due to the domino effect of this garnishment. \n\nI am requesting an investigation into this situation as I do not understand how the Soldiers and Sailors act did not protect me and how a lawyer, working for XXXX " assisted '' my creditor in getting money from my account by providing them with information about my account and making it easy for them to extort money from me. \n\nI am currently XXXX and undergoing immense stress due to this situation. I intend to settle all of my debts. I am a divorced mother of XXXX XXXX XXXX ) and had been experiencing back-to-back financial crisis and this situation set me back even further. I would like to know what my options are in this situation. I believe that the XXXX lawyer and the USA Discounters representative were both wrong in how my case was handled. \n Company chooses not to provide a public response USA Discounters, Ltd. AP 962XX Servicemember Consent provided Web 09/09/2015 Closed Yes Yes 1552250
290653 10/09/2015 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect XXXX 2013 I Took out a XXXX dollar loan with XXXX XXXX. immediately I was charged a {$500.00} Processing Fee. when they money and the paper work came in I found out that I was paying 233.40 percent annum on this loan. I felt like I was getting taken advantage of because the way they processed the loan I was not aware that the interest rate was so high. My payment was XXXX per month. the total loan pay back was {$4800.00} and the interest pay back was {$3800.00}. My loan was transferred to Cash Call in California before my first Payment was ever maid. I thought something seemed fishy but I went on to pay the loan and pay it off on time. The loan was drawn directly from my bank account on ACH. I recently found out about this Lawsuit that the CFPD had with Cash Call and come to learn that Cash Call and XXXX was breaking the law with this loan and they were over charging interest and Processing fees to me. NC State Statute XXXX caps the interest rate at 30 % and only allows lenders to charge us {$25.00} Processing Fee. According to North Carolina Law I should have only paid {$360.00} in interest and Fees. I was over charged by {$3900.00}. List below is a loan calculator results with what should have been a legal loan with western sky and Cash Call. I certainly hope that CFPD follows up with this and I can see a refund of all the over charged interest and fees. \n\nCalculation ResultsThe calculation results for the loan payoff calculator appear below. \n{$1000.00} LoanMonths to pay off debt:XXXXTotal interest you will pay : $ XXXXTotal to pay back : {$1300.00} \n Company believes it acted appropriately as authorized by contract or law CashCall, Inc. NC 283XX Servicemember Consent provided Web 10/14/2015 Closed with explanation Yes Yes 1601091
290685 09/04/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I had XXXX, then saw ad from XXXX about paying-off contract from XXXX XXXX XXXX. Went to XXXX but had to submit my new cell phone. I paid XXXX amounts of {$96.00} that SAME day before handed the " new '' cellphone. The " new '' cellphone happened to be a refurbished one and to my surprise it never worked. A few days later I called XXXX and explained situation. The representative answer was " My hands are tied, ca n't do anything about that ''. The next step I took was to cancel the account. A month later I received a bill for the month of " service '' that was supposedly used. Again, call XXXX to inquire about the charge and explained about the cancellation ( I had previously ask for a cancellation reference number and was told that they did n't do that ) and that they knew the account was cancelled. Next month ( two months later ) I received another bill for the " service '' they had " provided '' .I did AGAIN the same thing : called XXXX, explain, was given the same " run-around '' excuses and the SAME explanation, " My hands are tied '' ( I 'm sure they have the conversations recorded ). At this point I was ( am ) still extremely XXXX insulted by the business practices of this IMMORAL corporation. I strongly invite you to see my credit scores and history and SEE for yourselves what kind of client I am and most of all, my moral character when it comes business practices and how I deal with my financial responsibilities. At this point I still feel I owe nothing to the immorals at XXXX and actually I'AM the one something is owed to. At this time I want to offer my gratitude for your time in helping unravel this situation. Thanks and feel free to contact me at my e-mail. \n Company believes it acted appropriately as authorized by contract or law ERC FL 331XX Older American Consent provided Web 09/04/2015 Closed with non-monetary relief Yes No 1552324
290700 09/19/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine ThePENN CREDIT CORPORATION XXXX call my number at least XXXX or XXXX times everyday and as late as XXXX on Sunday 's I answer and tell them to stop calling but they continue. This has been going on fo at least 6 months. Many times it 's a recording. \n Company believes it acted appropriately as authorized by contract or law Penn Credit Corporation IL 604XX Older American Consent provided Web 09/19/2015 Closed with explanation Yes No 1571326
290955 09/04/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt A XXXX/XXXX/2015 dated letter was received at my home in Virginia from XXXX XXXX XXXX regarding a lease from a California Military Base housing I stayed at during XX/XX/XXXX to XX/XX/XXXX. They said I owed {$4000.00} ( XXXX principle with 10 % interest ). This was the first time I seen/known of a charge and I have been in contact with the leasing office regarding other matters and they never mentioned I owed them money. My lawyer wrote a letter concerned this was fraud on Military Service Members. He requested an itemized list utilizing the right to dispute from the letter. No response was received and on XX/XX/XXXX the debt was reported with a lost of XXXX points on my credit report for the amount of {$4100.00} in collections. I still do not know what the debt is for. \nMy husband was also on the collections letter, but was not on the lease. Company believes it acted appropriately as authorized by contract or law Columbia Recovery Group LLC VA 201XX Servicemember Consent provided Web 09/04/2015 Closed with explanation Yes No 1552417
291033 10/02/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Received a Collection Notice from : Credit Protection Association L.P . \nXXXX XXXX XXXX, XXXX, TX XXXX XXXX XXXX ) in the amount of {$1000.00} for undisclosed services provided by XXXX with no specified date. \nI believe that the demand is fraudulent because I can not recall ever having had an account with them or XXXX ever providing me with a product or service. \n Company believes it acted appropriately as authorized by contract or law Credit Protection Association, L.P. PA 153XX Servicemember Consent provided Web 10/02/2015 Closed with non-monetary relief Yes No 1590910
291274 09/12/2015 Debt collection Auto Disclosure verification of debt Not given enough info to verify debt XXXX I voluntarily returned a XXXX Truck to the Dealership asI could not afford the {$830.00} payments. A third party collector tookthat case to court, without even properly serve me. I have been paying on this debt XXXX. Never missed a payment. I have been asking them to send me a statement as to how they are applying the funds every month. I am aware there is an annual fee of 10 % that they charge. So far I paid over and beyond the amount due. They are refusing to provide me any kind of statements as to how they applied those monthly funds all these years. As far as I am concerned, I either already paid this debt or close to it. But I need to have a schedule of payments and when would my last payment be. \nPlease let me know what steps I should take. Thank you. \n Company believes it acted appropriately as authorized by contract or law NELSON AND KENNARD CA 945XX Older American Consent provided Web 09/12/2015 Closed with explanation Yes No 1561827
291358 09/28/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I received a collection notice from ERC XXXX Enhanced Recovery Company ) in XXXX, FL, and it appears that XXXX is billing me {$260.00} for a service I never received. In XXXX 2014, I ordered internet service from XXXX XXXX and they set up an installation appointment. No one ever came out to my residence to install XXXX XXXX internet service. I waited three weeks after the installation appointment thinking they would call me to reschedule ; however, they never called so I called them and XXXX of their sales agents told me they did n't even have service in XXXX XXXX, Texas, and that they would cancel the order. The original sales agent never told me they did n't have service in XXXX XXXX, Texas. Just to summarize, I never received any type of service from XXXX and I have a collection agency called ERC trying to collect a debt. \n Company believes it acted appropriately as authorized by contract or law ERC TX 799XX Servicemember Consent provided Web 10/01/2015 Closed with non-monetary relief Yes No 1582599
291571 10/09/2015 Student loan Non-federal student loan Dealing with my lender or servicer Need information about my balance/terms I attended XXXX University between XX/XX/XXXX and XX/XX/XXXX to earn my XXXX and a XXXX. To finance my education, I paid with a mix of federal and private loans, as well as my personal finances. My private loans were issued through Wells Fargo Bank ( although I had come to Wells Fargo through XXXX ). After applying for my loans, I never received any correspondence from Wells Fargo. I was given no account information to view my loans online, and even when I tried to track this information down online by entering other personal information, like Social Security number, birthdate, first and last name, their online system could not link me to any account ( which I find odd considering almost every other banking institution can retrieve your account information from your personal information filled out in your account applications ). \n\nHaving never taken out student loans previously, I was not completely understanding of how the process worked. Since my loans were then issued and distributed through XXXX University 's financial aid office, I did n't suspect any issues or negligence on the part of the bank. \n\nMy loans will soon fall out of their grace period next month, and after having still not been contacted by Wells Fargo, I called to find out any information. In speaking with several loan service officers, I learned I DO in fact have an account number, which had never been given to me through any correspondence. I learned my mailing address had been incorrectly recorded in their system, and so I had never received any snail-mail correspondence that would have provided information to access my online account. \n\nI was never emailed nor mailed ANY statements notifying me of quarterly interest payments, which I could have been making ( and DID make on my federal loans ) during school. \n\nI have now accrued nearly {$10000.00} in interest that I was never notified of, and the bank accepts culpability for mailing loan disclosure agreements to the wrong address and for also failing to EVER correspond with me through email so that I could access my online account. \n\nI understand from the XXXX XXXX XXXX 's XX/XX/XXXX article ( XXXX ) that Wells Fargo has been under investigation by the CFPB, so I am submitting my case to help further this investigation. \n\nIf the bank will not allow me the opportunity to make retroactive payments on the interest that I was given no written ( or otherwise ) notice of, I do plan to take legal action. \n Company chooses not to provide a public response Wells Fargo & Company NY 111XX Servicemember Consent provided Web 10/09/2015 Closed with explanation Yes No 1601473
291640 09/20/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine The VA is claiming I owe money. They can not tell me why I still owe this money because I paid the debt I had with them from my GI bill benefits before I could start receiving benefits. Pioneer recovery has started collecting this debt. They 've added {$500.00} in fees and are now garnishing my wages. I have read on the VA 's site that the Treasury Department is who collects any VA debts. Pioneer Recovery did n't give me any notice that they would be garnishing my wages. I need this to stop because I can not afford to pay my other bills with XXXX % of my net wages being garnished. \n Company chooses not to provide a public response Navient Solutions, Inc. PA 160XX Servicemember Consent provided Web 09/30/2015 Closed with explanation Yes No 1571689
291671 09/28/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine A telephone call came in from a collection agency stating I owed {$400.00} for a magazine subscription. I asked what magazine company is it and why have I not been receiving monthly bill if thiswas the case. They would not answer my questions and raised their voice at me. Since then I have received mail/bill from them. \nThey said that the credit companies would be notified. \n Company believes it acted appropriately as authorized by contract or law ATG Credit, LLC CA 945XX Older American Consent provided Web 09/28/2015 Closed with explanation Yes No 1582230
291672 09/28/2015 Debt collection Payday loan Improper contact or sharing of info Contacted me after I asked not to On XXXX/XXXX/15 I sent Central Credit a cease and desist letter. They continue to call me XXXX times a day from different telephone numbers. \n Company chooses not to provide a public response Radius Global Solutions LLC TX 782XX Servicemember Consent provided Web 09/28/2015 Closed with explanation Yes No 1582717
291687 09/28/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine XXXX XXXX XXXX has been my Cellular Carrier for about 20 years. I 've always made every payment on time. I had their sister Company, XXXX XXXX, for awhile and due to problems, had to have it disconnected. During the time I had XXXX, it was combined-billing with my XXXX XXXX XXXX Cellphone Service. Sometime after cancelling XXXX, I began receiving notices from various Collection Agencies that I still owed XXXX XXXX XXXX for their Services. I contacted both XXXX XXXX XXXX and XXXX XXXX Customer Service, and they XXXX told me they showed no outstanding Debt on my Accounts. XXXX XXXX XXXX continues to harass me via XXXX Collection Agency after another, yet can not provide any proof of exactly when, where, and what the outstanding debt they claim I owe is for. The latest harassment is from a company called ERC, address is a XXXX XXXX XXXX XXXX, XXXX, FL XXXX. I believe it is illegal to operate a XXXX XXXX XXXX out of a XXXX XXXX XXXX, a violation of Federal Law. XXXX claims that my debt owed is {$84.00}, for XXXX XXXX XXXX Account XXXX XXXX, which is not my current account number, although I have had uninturrupted Cellphone service from XXXX XXXX XXXX for approximately 20 years now. ERC Collections Reference Number being XXXX on their latest letter to me.. I have had about XXXX Collection Agencies over the years, hounding me for this money, and every time I contact them and explain that XXXX XXXX XXXX has verified with me by phone calls to their Collections that I owe no money, the Collection just gets sent to another different Collection Agency who begins the harrassing letter process over again. I have responded to these Agencies in writing several times, refusing to pay anything, based upon my conversations with XXXX XXXX XXXX and XXXX XXXX both stating that I owe nothing. This continuing harassment for no proven valid reason has damaged my Credit Rating, and at this time I request followup investigation, and notification to XXXX XXXX XXXX and all Collection Agencies past, present and future involved, that this is a Complaint for unjust harassment without substantive proof, and that they are to immediately sease and decist, and that I am entitled to any and all reparations under the Law for their conduct towards me, and for the continued non-stop harassment that I have encountered over the years, due to these Companies falsely accusing me of oweing money without any substantive proof of such, and despite my repeated phone calls and letters to these Companies, who have XXXX agreed verbally that I owe them no debt, but have failed to remove me from Collection Agencies rolls,, promptly and properly, per all Laws XXXX State and Federal. Further, I request that all resulting correspondence of any nature be addressed to me in writing and sent to me, and that it contain a name, department, and phone number of any employee seeking any information relative to, and or pertaining to, any aspect of this entire matter. I also request a receipt of confirmation in writing, for this complaint I am hereby filing. \n Company believes it acted appropriately as authorized by contract or law ERC IL 604XX Older American Consent provided Web 10/05/2015 Closed with non-monetary relief Yes No 1582722
291769 09/20/2015 Debt collection Medical False statements or representation Attempted to collect wrong amount In XX/XX/XXXX I wrote to Aspen national Debit collection to verify a debit, which they did. I wrote back and acknowledge my debit with an explanation of the amount of payments of could make and the amount owe according to my calculations. I stated that I was sending my first payment in good faith. I then stated that if they cashed my check and I did not hear from them, they had accept my offer. They cashed my check and I never heard from them again. In XX/XX/XXXX I wrote to say that I had paid my debt since I had received no communication, then about ten days later I received a notice from XXXX XXXX stating I still had a balance. Up to this time my original communication and all later was made through XXXX XXXX. In XXXX I resent for the third time my original agreement letter .Around the XX/XX/XXXX I received a phone message message fon Aspen Collections , so I returned the call. I spoke with XXXX XXXX and he said I owed so much money. I reminded him about my letter and he stated " we have received a lot of letters from you. '' He continued to say that they do not make any deals and I owed the money. I stated that they cashed my check and according to the terms of my letter, they made an agreement, and no one has ever contacted me. He Said " we have tried on numerous occasions to contact you. '' Not true! At that point I asked to speak to XXXX XXXX and was told there was no one there by that name. All my communication was sent to the XXXX XXXX with the same address XXXX XXXX called from. \n Company believes it acted appropriately as authorized by contract or law Aspen National Financial, Inc. CO 816XX Older American Consent provided Web 09/20/2015 Closed with explanation Yes Yes 1571720
291816 10/03/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine XXXX XXXX XXXX , XXXX contacted me about a debt I do not owe. I never had any business with Citibank, which they claim is the original creditor. \n\nI sent them a cease and desist letter via certified mail on XXXX XXXX, 2015 demanding that they have no further contact with me. \n\nHowever, on XXXX XXXX, 2015 they sent me a letter stating that I indicated I was being represented by an attorney. I never indicated that I had legal representation ; I only copied a friend of mine who is an attorney for her own interest. There is no attorney/client relationship between us. \n Company chooses not to provide a public response Citibank TN 372XX Older American, Servicemember Consent provided Web 10/03/2015 Closed with explanation Yes No 1591544
292154 09/21/2015 Debt collection I do not know Improper contact or sharing of info Talked to a third party about my debt My XXXX is XXXX years old and not capable of entering into a legally binding contract. I handle his finances for him. All of a sudden his credit score as shown on a credit card statement has dropped XXXX points. I suspected Identity theft and contacted all of the credit bureaus. \nThe XXXX XXXX report shows XXXX adverse collection accounts from " REVMD Partners '' with no other information. I have never heard of these people, there has been no collection activity, and no communication of any type from them, written or oral. \nDad does not owe anyone any money and this is clearly an attempt to XXXX by holding their credit report XXXX. \nWe need to protect our XXXX citizens, and in this case an impaired veteran from XXXX. Totally intolerable. \nAnd I was so upset when I got this information that I was quite upset and awake all night with night sweats. \nThese people should not be allowed to do this and instead should be making license plates or pounding big rocks into little rocks, if you know what I mean. \n Company believes it acted appropriately as authorized by contract or law RevMD Partners, LLC. AZ 852XX Older American, Servicemember Consent provided Web 09/24/2015 Closed with explanation Yes Yes 1571957
292187 09/21/2015 Debt collection Credit card Communication tactics Used obscene/profane/abusive language I was working on my son and his friends bike and I was approached in my garage by an aggressive man who was very rude in front of the kids. I had no idea what this was about, until he forced me to look at a paper. I asked him to leave and he was very rude and hostile. Apparently it was from a furniture store that my ex has all of the furniture from. I was XXXX on and was left with nothing but apparently the bills without being told. \n Company chooses not to provide a public response Collection Service of Nevada NV 897XX Servicemember Consent provided Web 09/21/2015 Closed with explanation Yes No 1571974
292193 10/03/2015 Payday loan Payday loan Charged bank acct wrong day or amt Charged bank acct wrong day or amt Advance America charged my bank account that was already closed after the date the loan was due. \nI was expecting this check that I had written them to post the day the loan matured. I then received multiple fees and it caused another payment to return because of those fees ( {$35.00} each and they presented it twice plus the one that returned because of those fees ; resulting in XXXX in overdraft fees ) which ultimately led to my bank account being closed. \nAdditionally, they have been advised via written notice to not contact my place of employment and they have called 4 times a day since the notification went out on XXXX XXXX, 2015. This company is putting me at risk of losing my job. \n Company believes it acted appropriately as authorized by contract or law Advance America, Cash Advance Centers, Inc. RI 028XX Servicemember Consent provided Web 10/03/2015 Closed with explanation Yes No 1591640
292254 09/12/2015 Debt collection Non-federal student loan False statements or representation Attempted to collect wrong amount I received a letter and multiple collection agency calls from a company who listed themselves as " XXXX XXXX, XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX indicating website contact as XXXX '' This letter was a response by a company listed as " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX '' This company listed as " XXXX XXXX XXXX , as indicated above contacted me XXXX multiple times over the phone, pushing me to consolidate my " defaulted student loans ''. I informed the representatives over the phone repeatedly after the first XXXX calls that I was never in default and never have defaulted on my ( XXXX XXXX ) student loans and that pushing me to consolidate was illegal practice to get me to pay collection and interest fees I do not owe. The initial representative continued to push escalating her tone of voice claiming, " XXXX XXXX, XXXX was hired by the Department of Education and this ( to consolidate and work with XXXX XXXX , XXXX ) was my only way out of this situation and that documents could be immediately e-mailed to me and I should just sign the contracts and provide my bank account information so that small payments could be made if " they found I qualified for a rehabilitation repayment plan ''. and " if i did n't respond and sign and scan these contracts with this information to this company XXXX XXXX , XXXX then garnishment of wages or civil judgement could be filed against me and the status of default would continue to be aggressively collected ''. I pulled my credit report, I paid for documents from XXXX, I contacted XXXX the legitimate United States Department of Education student loan servicer. XXXX sent me the history of my status history of NEVER DEFAULTING ON ANY FEDERAL OR OTHER LOANS. I contacted the company via certified United States Postal Service and under federal mandates requested the information that was sold to XXXX XXXX, XXXX A letter was sent to me with the above referenced information i listed of the company of " XXXX '' " XXXX XXXX XXXX '', and I looked further into these companies following protocol to protect my self by reading through sites like this and filing complaints with the FTC . This information about me and the violation of collection, reporting, and representation that has caused undue financial hardship I traced to a school named XXXX XXXX XXXX College in XXXX. I was moved to XXXX as a XXXX, why is this pertinent, because the XXXX XXXX XXXX XXXX, along with XXXX XXXX and XXXX XXXX teamed with a company called XXXX who is currently in the process of restoring me from identity theft, which may have resulted in the XXXX breach or an individual who was convicted of Grand Theft Auto after stealing my car and has multiple variations of her mother 's address which is listed on the XXXXpage court records I have in possession and the street address I lived on so this criminal ( named XXXX XXXX was convicted ) has stolen my identity, not only with criminal traffic violations after the fact but also student loans and refunds showing on NSLDS that is reporting and has been reported false information causing me undue financial hardship. The XXXX XXXX XXXX XXXX degree verification dates of attendance XX/XX/XXXX - XX/XX/XXXX ( I completed my Degree of XXXX XX/XX/XXXX ). I have never defaulted on any loans. I have " Notice of Loan Guarantee and Disclosure Statements '' that show XXXX loans information sheets that match the correct dates reported by The XXXX XXXX XXXX XXXX. " XXXX XXXX XXXX,. XXXX, XXXX XXXX funds '' claim I owe {$16000.00}. This is false. Documentation I have proves I owe {$9600.00}. \n Company chooses not to provide a public response Wells Fargo & Company CA 900XX Servicemember Consent provided Web 09/16/2015 Closed with explanation Yes No 1562049
292303 09/12/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt resulted from identity theft SWOME ONE BREAK IN XXXX HOUSE I DID REPORT POLICE EVERYTHING IS XXXX XXXX XXXX AND COMPUTER AND CHECKING STOLE. \n Company believes it acted appropriately as authorized by contract or law First National Collection Bureau, Inc. CA 932XX Older American, Servicemember Consent provided Web 09/12/2015 Closed with explanation Yes No 1561811
292416 09/12/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount There are XXXX debts originally owed to XXXX ; the first with a last known balance of approximately {$5000.00} and the other with a last known balance of approximately {$2800.00}. Over the course of 16 months we 've seen the balances of these debts increase by over 150 % each. As of this writing, XXXX hired collections servicer, ACCTCORP OF SOUTHERN NEVADA, has filed a suit against us alleging that the balance of the aforementioned debts are now {$14000.00} and {$7500.00}, respectively. This is an absolute outrage! Especially since these new amounts which equate to over 160 % appreciation are well in excess of the 24 % penalty rate that XXXX has in their own documentation. Furthermore, in doing the math in the summons that we received, we found that ACCTCORP, again, miscalculated the total amounts i.e. the itemized amounts in the summons do NOT add up to the total amount for which they are suing both my husband and I. We strongly feel that ACCTCORP numbers are highly dubious and that the final amount being sought is comprised of exorbitant interest fees! \n\nREFERENCE INFORMATION : ACCTCORP OF SOUTHERN NEVADA Account No. XXXX \n Company believes it acted appropriately as authorized by contract or law Richland Holdings, Inc. NV 890XX Servicemember Consent provided Web 09/12/2015 Closed with explanation Yes Yes 1562072
292499 10/10/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Filed an erroneous collection tradeline # XXXX to my credit report for original creditor XXXX XXXX XXXX. I have never held an account with XXXX XXXX XXXX and have never had any association with the service address in XXXX XXXX, FL, for which the collection was filed. \n Company believes it acted appropriately as authorized by contract or law ERC FL 326XX Servicemember Consent provided Web 10/10/2015 Closed with non-monetary relief Yes No 1602244
292512 10/10/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine This debt reported by Credit Protection Association is not a valid debt. I submitted a letter to their company on XXXX XXXX, 2015 requesting that I be sent several specific documents that prove I owe this debt. Credit Protection Association did not respond to my request. I have attached a copy of the letter. \n\nIn addition, this debt is over 7 years old and can no longer be reported to the credit bureaus according to the Fair Credit Reporting Law. \n Company believes it acted appropriately as authorized by contract or law Credit Protection Association, L.P. CA 923XX Older American Consent provided Web 10/14/2015 Closed with non-monetary relief Yes No 1602447
292543 09/13/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Impersonated an attorney or official In 2011 I had XXXX accounts with sterling Jewelers, XXXX with XXXX and XXXX with a jared. These accounts were both paid as agreed until my husband was injured and required extensive surgery at which time we were forced to file a chpt XXXX to protect our home. When our home was no longer in jeopardy we voluntarily dismissed the chpt XXXX. Both my attorney and myself attempted to contact sterling to ascertain the holder of these accounts to no avail. Even a certified letter went unanswered. This is a common complaint with XXXX after reviewing social media. \n\nTwo weeks ago I received a call from s " no caller ID number. '' The individual identified themselves as a " representative of the state that needed me to be at home or my place of employment wt XXXX to deliver legal, papers. '' A phone number and reference number was provided. When I called the provided phone number I reached an individual, who stated " he was from Kay Jewelers and the lawyers had already filed paperwork with my state and county. " " I was given 72 hours to pay my account or face " legal action or prosecution. '' In a panic, I provided my bank account numbers. I was told an authorization to deduct monies from my bank account would be emailed and I would need to sign this authorization. I did indeed receive such an email, and realized I needed to have this information reviewed. Much to my surprise, over XXXX was deducted from my checking account within 72 hours without return of the authorization. My bank ( XXXX ) fraud department immediately became involved. The identified offender was " XXXX XXXX. " Several days later, my husband received another call from " no caller Id. '' Same scenario. It was " a state employee needing to serve legal documents. '' When the phone number was called, an individual ( XXXX ) went into great detail about a Jared account. My husband was NEVER on this Individual Jared account. This was again " regency capital. " I immediately contacted an attorney ( XXXX ) regarding the unauthorized deduction and continued threats of criminal action. I spoke with XXXX XXXX ( XXXX ). When XXXX XXXX called the phone numr of the " Kay representative, '' the individual refused to provide the company name, address, or, fax number. XXXX XXXX could find no record of XXXX XXXX in her data base of licensed agencies in New York. The attorney office advised that I immediately cancel my bank account and debit cards. This required I miss an entire day of work to cancel my account, debit card, automatic deduction, etc. \n\nAround this time, I received a credit alert that XXXX XXXX XXXX had placed XXXX collection entries on my credit file, XXXX for Jared and XXXX for Kay. The entries appeared as new defaulted accounts. Prior to the appearance on my credit, I had never heard of XXXX. I had certainly received no communication from them. \n\nI called XXXX and spoke with an extremely rude lady who told me " we, own these accounts and they have been outsourced for collection to XXXX. '' When I described the issues related to XXXX XXXX, the agent responded " I do n't believe any of that. It 's not my problem anyway, it 's yours. '' She then hung the phone up! \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Sterling Jewelers Inc. VA 233XX Servicemember Consent provided Web 09/13/2015 Closed with explanation Yes No 1564264
292595 10/10/2015 Debt collection Medical Improper contact or sharing of info Talked to a third party about my debt Collection agency has accepted information to collect a co-pmt. from XXXX XXXX XXXX. Not only have they turned it over to the Credit Bureaus ( XXXX at the least ) and damaged my credit ; yet also have continued to call XXXX daily ; or XXXX time at the least. Once turned over to the Credit Bureaus it is not to be collect by them. Fair Credit Act ; Law..I believe. The same accounts are being collected by another collection agency. Which has worked with me to stop the collection calls now that I have told them it is " Double Jeopardy '', Law, I believe ; only XXXX Agency can collect a debt. Also, and I am complaining here against " Rash Curtis XXXX XXXX along with other numbers. I lived with roommate and have since moved from the home number the roommate knows he has no right to share information. The ex roommate has told only that I do not use his phone number anymore and can not locate me for them. \n Company believes it acted appropriately as authorized by contract or law Rash Curtis and Associates CA 959XX Older American, Servicemember Consent provided Web 10/13/2015 Closed with explanation Yes No 1602293
292635 10/04/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt resulted from identity theft I have reported this XXXX times now it keeps getting added back to my credit reports. I live aboard from XXXX to XXXX returned to XXXX XXXX, XXXX and XXXX reporting debts I do not owe. They claimed accounts were opened in XXXX. I first became aware of the problem because of XXXX and subsequently with XXXX filed reports with police collection agencies and XXXX. Others taken care of XXXX keeps getting placed in bureaus after it is removed. My passport documents I was not in country when this account opened. \n Company can't verify or dispute the facts in the complaint The CMI Group, Inc. NV 890XX Older American, Servicemember Consent provided Web 11/02/2015 Closed with explanation Yes No 1591880
292675 10/10/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid The charge commonwealth financial has been calling me incessantly everyday at all hours of the day and have sent a letter trying to collect a nonexistent debt. They have sent a report to the credit bureau. The charge first came into the credit bureau by them XX/XX/XXXX. No time before has this ever been on my credit record. They are claiming a hospital stay in XX/XX/XXXX was not paid and that the hospital has not been able to collect. The hospital has not ever sent me a bill in that quantity. I was insured at that time by united health care and they covered my bill at that time. This is the first time I see this charge. They claim to have bought this " debt '' from a company called XXXX ... \n Company believes it acted appropriately as authorized by contract or law Commonwealth Financial Systems, Inc. TX 770XX Servicemember Consent provided Web 10/10/2015 Closed with explanation Yes No 1602317
292708 10/10/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine Phoenix Financial Services is trying to collect false debt from me, has sold false debt to other companies who are now trying to collect from me as well and has reported one of the false debts to the credit bureau twice. I was checking my credit report when I noticed some very jarring negative claims in my report that were false. No other company especially the main collector a hospital has ever charged me with this unpaid debt much less over XXXX dollars worth of unpaid hospital bills. After calling the company charging me with the higher bill they said that the company that sold them this debt was Phoenix Financial Services. I made a report on that company as well for purchasing false debt and trying to collect it. \n Company disputes the facts presented in the complaint Phoenix Financial Services LLC TX 770XX Servicemember Consent provided Web 10/10/2015 Closed with explanation Yes No 1602319
292807 10/04/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Threatened to take legal action XXXX XXXX XXXX XXXX, contacted my relatives ( XXXX-party ) to contact me. They left a message with my relatives ( XXXX -party ) that if I do n't contact them I can go to jail. \n\nI believe they violated Fair Debt Credit Act ( FDCA ) which states the debt collectors or their representatives can not contact through XXXX-party ( Relatives ). Furthermore, threatening to take legal actions. \n Company chooses not to provide a public response Wells Fargo & Company NJ 080XX Servicemember Consent provided Web 10/08/2015 Closed with explanation Yes No 1591924
292923 10/04/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount Apartment complex. Active duty military lost pay XXXX. My wife and I had to find a home for our family that best fit our financial needs. We were, and still in a financial hardship. We gave them a thirty day notice, with completing paperwork they requested. We advised to them the situation with other issues with the complex, that were not being addressed. When we left the property we returned the keys. We had been given an estimate of what we would have to pay back because we were terminating our lease. It was n't even close to the amount of what is on me and my wife 's credit report. We were blind sided and never contacted except from a credit bureau with an amount not explained, just a number that we owed. \n Company believes it acted appropriately as authorized by contract or law National Credit Systems,Inc. NC 279XX Servicemember Consent provided Web 10/04/2015 Closed with explanation Yes No 1591950
292999 09/13/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Dear Sir, My wife and I rented an apartment in XXXX, Texas, which was taken over by new management shortly before we vacated. Under the terms of the contract ( which I no longer have a copy of but requested from the collection agency, who refused to supply it, though admitting they have a copy ), charged us {$510.00} for vacating, including keeping our deposit. \nWe left the premises as our contract had expired. I gave one month 's notice, though they asked for two months and refused to check the apartment before we left. We left it in good condition, took everything out, and gave the key to a trusted neighbor. \nI have filed chapter XXXX, but it is affecting my wife 's credit report. \nTheir methods are totally illegal. As I understand, Texas law allows tenants to vacate at the end of their contract without any problems, nor notice. \n Company chooses not to provide a public response ProCollect, Inc SD 577XX Servicemember Consent provided Web 09/13/2015 Closed with explanation Yes No 1562314
293088 09/21/2015 Debt collection Credit card Communication tactics Frequent or repeated calls Continuing phone calls from US Bank regading credit card payments. I am signed up with a credit card repair agency. \n Company chooses not to provide a public response U.S. Bancorp MO 633XX Older American Consent provided Web 09/24/2015 Closed with explanation Yes No 1572233
293119 09/13/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine Account Resolution Services ( ARS ), used communication tactics in the beginning by blocking my number, blocking me from online access to a debt that I tried to research, when asked of them to verify my debt. Also they tried to get me to identify myself over the phone without giving me the opportunity of verifying their company. I wrote them a DEBT VALIDATION LETTER, and they did not validate my debt through the original debtor and mailing me that information so they violated Section 809 Validation of Debts [ 15 USC 1692g ] Chain letter by dates are attached with mailed signed receipts. \n Company believes it acted appropriately as authorized by contract or law HCFS Health Care Financial Services, Inc. NJ 080XX Servicemember Consent provided Web 09/13/2015 Closed with explanation Yes Yes 1562570
293138 10/05/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Frequent or repeated calls Receivables performance management started calling my husbands cell phone on XX/XX/2015, and have called either it or the house phone almost everyday since then. At the time of the first call he set up a payment plan for XXXX payments of {$25.00} ever other week because that is all there system could do. They have started calling our house almost every day since then and have asked for a post dated check. They asked my husband to set up payments on his dept card for next year after telling us they could only set up XXXX payments at a time they were also wanted us to agree to giving them XXXX payments of XXXX in XXXX and XXXX which we can not afford and would not agree to they also suggested we could use out tax check from next year to help out this all happened today XX/XX/2015.. We have asked them several times to please stop calling and they continue to call. We also have XXXX emails with the payment plan between them and us on this matter. They also get rude and hang up on you before you can finish discussing the matter of why they keep calling.. \n Company chooses not to provide a public response Receivables Performance Management LLC IN 471XX Servicemember Consent provided Web 10/05/2015 Closed with explanation Yes No 1592236
293151 09/14/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt Out of the blue Meridian Financial SVC, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, sent me a notice dated XXXX XXXX, 2015 about a claim of {$700.00} that was assigned to Meridian as collection agency ; no proof of a claim was provided ; we needed to respond in 30 days. In a registered letter of XXXX XXXX, 2015, I informed Meridian that we owned a timeshare at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX which we disposed off ten years ago ( XXXX XXXX, 2005 XXXX, and that we disputed that we owed XXXX XXXX any debts. Without sending me proof of this alleged claim, Meridian Financial sent me another letter that I did not dispute the claim (? ) ; I replied on XXXX XXXX that I did dispute the claim and that they needed to stop harassing me or provide proof of any debt owed. Today I was informed that Meridian put on my otherwise XXXX credit report a negative Collection Agency claim of {$700.00}. \n Company chooses not to provide a public response Meridian Financial Services, Inc. CA 925XX Older American Consent provided Web 09/18/2015 Closed with explanation Yes No 1562584
293178 10/11/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine ERC, XXXX XXXX XXXX, XXXX, XXXX is trying to collect a debt never owed, claiming it was to XXXX. My XXXX account is paid in full and has been. The account numbers do not match, but they threaten to assume it is a valid debt if I do not contact them in 30 days. They are scamming me and I want it stopped, I also do not want my credit impaired by them, and I would like full charges pressed against this company. \n Company believes it acted appropriately as authorized by contract or law ERC MA 018XX Older American Consent provided Web 10/16/2015 Closed with non-monetary relief Yes Yes 1602557
293282 10/11/2015 Debt collection Credit card Improper contact or sharing of info Talked to a third party about my debt Kay jeweler found my family members phone numbers and has called them continuously to get messages to me. They went so far to tell my sister the name of their company and about how far behind my account is with them. \n Company believes it acted appropriately as authorized by contract or law Sterling Jewelers Inc. MS 391XX Servicemember Consent provided Web 10/11/2015 Closed with explanation Yes No 1602588
293485 09/14/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I moved out XXXX, located at XXXX on XX/XX/XXXX. I was subsequently notified of resulting move out charges in the amount of {$1000.00} via mail on or about XX/XX/XXXX at my new address in XXXX ( See annex A ). I was not notified of these charges at anytime prior to this date either orally or in writing. The notice stated I had 30 days from the move out date to remit payment which I did on XX/XX/XXXX ( see Annex B ) However, XXXX XXXX had already referred my account to a debt collection agency, Hunter Warfield prior to the XX/XX/XXXX deadline ( see Annex C ). The amount paid was in the value of {$1000.00} as a {$64.00} is currently in dispute with XXXX XXXX XXXX.I currently in discussions with XXXX XXXX XXXX in regards to the remaining {$64.00} but the company has yet to return my calls. I have notified both companies in writing of my payment of this debt and my intend to fill a complaint. \n Company believes complaint represents an opportunity for improvement to better serve consumers Hunter Warfield, Inc. GA 319XX Servicemember Consent provided Web 09/14/2015 Closed with explanation Yes No 1562669
293538 09/14/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I moved out XXXX, located at XXXX on XX/XX/XXXX. I was subsequently notified of resulting move out charges in the amount of {$1000.00} via mail on or about XX/XX/XXXX at my new address in XXXX ( See annex A ). I was not notified of these charges at anytime prior to this date either orally or in writing. The notice stated I had 30 days from the move out date to remit payment which I did on XX/XX/XXXX ( see Annex B ) However, XXXX XXXX had already referred my account to a debt collection agency, Hunter Warfield prior to the XX/XX/XXXX deadline ( see Annex C ). The amount paid was in the value of {$1000.00} as a {$64.00} is currently in dispute with XXXX XXXX XXXX. \n Company believes complaint represents an opportunity for improvement to better serve consumers Hunter Warfield, Inc. GA 319XX Servicemember Consent provided Web 09/14/2015 Closed with explanation Yes No 1563936
293807 10/22/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Recording says that they are seeking information concerning a debt and to please call XXXX. The recording then stops. They call daily. \n Company chooses not to provide a public response Rausch, Sturm, Israel, Enerson & Hornik, LLC MT 593XX Older American, Servicemember Consent provided Web 11/04/2015 Closed with explanation Yes No 1620673
293888 10/22/2015 Debt collection Payday loan Taking/threatening an illegal action Threatened arrest/jail if do not pay I have paid these people over {$3000.00} on a XXXX acount they say I still owe them {$1500.00} ..I told them that I live on social security and can not pay the illegal usury interest rate of 1000 % .I am XXXX old. this guy would not give me his name but he at XXXX XXXX. on XXXX/XXXX/2015 \n Company believes it acted appropriately as authorized by contract or law Zenith Financial Network Inc CA 917XX Older American Consent provided Web 10/30/2015 Closed with non-monetary relief Yes Yes 1619424
293904 10/18/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt resulted from identity theft XXXX XXXX, XXXX has constituted sending me an invoice for payment on an account from Wachovia Bank. It appears that several of these debt collections agencies are attempting to collect on this invoice. This is n't the first time I 've seen this bank just different collector. \n Company chooses not to provide a public response Wells Fargo & Company DC 200XX Servicemember Consent provided Web 10/18/2015 Closed with non-monetary relief Yes Yes 1612417
293942 10/22/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt resulted from identity theft I had my ID stolen in 2012. I had reported this to CMRE Finance and all the credit bureaus, they still have not taken this off my credit yet. What do I do? \n Company chooses not to provide a public response CMRE Financial Services, Inc. CA 928XX Older American Consent provided Web 10/22/2015 Closed with explanation Yes Yes 1620768
294107 10/05/2015 Debt collection I do not know Disclosure verification of debt Not disclosed as an attempt to collect I have tried numerous times to contact Southwest Recovery XXXX in regards to a debt on my credit report. I have no idea who this company is. They have refused to contact me back, answer any phone calls and to this day I still do not know who they are. Requesting assistance to have removed from credit report. \n Company disputes the facts presented in the complaint Southwest Recovery Services, Inc. VA 234XX Servicemember Consent provided Web 10/05/2015 Closed with explanation Yes Yes 1592565
294355 10/23/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine Based on the detailed facts below and attached documents, I am concerned that I am a victim of some type of attempted financial fraud by a collection agency or an alleged collection agency. On XXXX XXXX, 2015, I began receiving several alerts at the same time, from my credit monitoring service related to various companies who claim that I owe them a debt. The majority of what I could glean from the credit alert was that the alleged debts were related to medical collections although a few of the alerts did not state any circumstances regarding the debts. In the case of XXXX XXXX XXXX XXXX and XXXX XXXX, they appear to be the same company using the tactic of reporting the same collection to various credit reporting agencies but using different names in an attempt to damage my credit and coerce me to pay for a debt that I do not owe. I have never received bills from the said companies and I have no idea what the nature of the collection may be. \nIn the case of ATG CREDIT LLC, the amounts owed are different than proposed by XXXX XXXX XXXX and XXXX but I am concerned that this company is somehow related to or acting on behalf of XXXX and XXXX since their collection attempt is also related to alleged " medical '' debts and it was reported to the credit unions on the same day that XXXX and XXXX placed the negative charge against my credit. In addition, if they are related companies coercing me to pay a debt not owed while holding my credit worthiness status hostage, the act of reporting the same debt to different agencies, changing account numbers, changing their corporation names and addresses is manipulative and is an exaggeration to deliberately coerce me to send money for a debt not owed. \nPlease advise me whether or not this practice is illegal in the State of Florida or under Federal Law. I can not believe that we have a judicial system that allows scandalous collection agencies to use bully tactics to siphon money from unwitting citizens and furthermore, are not required to provide me with official notice of the details of the debt owed including the establishment where the debt was incurred, the dates and any proof of their allegations. I have not been provided any services by XXXX XXXX XXXX, XXXX XXXX or ATG CREDIT! \nNOTE : On XXXX/XXXX/2015, I called ATG CREDIT using the number ( XXXX ) XXXX to inquire about the debt at XXXX. I spoke to a woman who escalated the conversation to the level of a bully and did not provide details regarding the nature of the debt, the provider, the date, etc. A few minutes later, I called back to try and get another service representative and I did. I explained why I was calling and he politely told me to hold. The same bully got back on the line with a harassing tone and hung up when I asked her permission to record our conversation. She said she was recording me so I only thought it was fair to represent myself for future issues. To date, I have yet to receive the requested formal correspondence regarding the details of what the company claims I owe to them. The collection is still on my file. How is all of this legal??? \n Company believes it acted appropriately as authorized by contract or law ATG Credit, LLC FL 337XX Servicemember Consent provided Web 11/12/2015 Closed with explanation Yes No 1621431
294412 10/19/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt was paid My daughter, XXXX XXXX, was contemplating an expensive procedure at her XXXX, XXXX XXXX in XXXX. She asked them to see if she would qualify for a loan from XXXX XXXX XXXX. Then decided against having the procedure. Her XXXX, XXXX XXXX cancelled the request for a loan. They have sent me the documentation stating that the loan was cancelled and no monies were ever received. Never did I agree or sign anything as a co-signer to this loan but Cambece Law firm continues to harrass me while ignoring my documentation from the XXXX office. \n Company chooses not to provide a public response J.A. Cambece Law Office, P.C. MA 017XX Older American Consent provided Web 10/21/2015 Closed with explanation Yes Yes 1612933
294441 10/23/2015 Debt collection Auto Taking/threatening an illegal action Threatened arrest/jail if do not pay On XXXX XXXX got a call from Constar Financial Service by a man namedXXXX XXXX . This was in reference of a motorcylce i had finance by XXXX XXXX XXXX. XXXX XXXX first failed to read me my mini miranda rights. Second he was still demanding payment after I told him not to call anymore. He keep asking me that he can help me but never told me how. \nOriginal I had notified XXXX XXXX XXXX of my situation and NOT to attempt to communicate with me or my family or place of employment about this matter. If unable to settle this all the amount due will be the ten times the amount in a civil, state or federal Law Suit. Please advice me is I should take this matter to a higher legal level. \nThank youXXXX XXXX XXXX XXXX XXXX, Texas XXXX \n Company believes it acted appropriately as authorized by contract or law Constar Financial Services, LLC TX 782XX Older American Consent provided Web 10/23/2015 Closed with explanation Yes No 1621501
294992 10/23/2015 Student loan Non-federal student loan Dealing with my lender or servicer Received bad information about my loan I just found out that I have to pay off an additional student loan. XXXX XXXX XXXX ( the school that I attended from XX/XX/XXXX through XX/XX/XXXX ), made me sign documents that I had not reviewed. They said if I did not sign the paperwork that I could not graduate. I desperately wanted to graduate and get a job so I signed them. The paperwork must have been for the private PEAKS loan totaling over {$18000.00}. There was no activity on these loans while I was attending the school or after I graduated. They are seeking payment now. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company First Associates Loan Servicing LLC PA 190XX Servicemember Consent provided Web 10/23/2015 Closed with explanation Yes No 1622510
295038 09/28/2015 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect Had no idea that that the annual interest rate was over 580 % of the loan. Will never use or recommend this form of loan to any military or civilian individual. \n Company chooses not to provide a public response Cottonwood Financial Ltd. TX 782XX Servicemember Consent provided Web 09/28/2015 Closed with explanation Yes No 1582757
295045 10/05/2015 Student loan Non-federal student loan Dealing with my lender or servicer Don't agree with fees charged Lender : Access Group ; Loan service provider : XXXXPrivate student loan. \nMy monthly payment amount adjusted ( based on repayment schedule ) and I contacted customer service via telephone to verify the new payment amount ( then made a payment for that amount ). The following month I received a statement indicating that I was {$.00} delinquent on my account and that a {$10.00} late fee had been assessed. I then contacted customer service via phone again and was told that my {$.00} overdue amount had exceeded my contractual 15 day grace period and that they would not waive the late fee. \n Company chooses not to provide a public response Access Group KY 427XX Servicemember Consent provided Web 10/05/2015 Closed with explanation Yes No 1593504
295047 10/23/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I keep getting collection calls from Central Credit XXXX regarding a debt that I do n't owe. I 've called them and they say my phone number is not in their data base, but they will put me on their " do not call '' list anyway. The calls are continuing. \n\nI had the same problem last year with XXXX and it turned out that someone had their phone forwarded to my number. Central Credit does n't want to listen to any possible resolution. \n Company chooses not to provide a public response Radius Global Solutions LLC FL 333XX Servicemember Consent provided Web 10/29/2015 Closed with explanation Yes Yes 1622575
295075 09/14/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I was living in a apartment complex XXXX in XXXX XXXX XX/XX/XXXX/XX/XX/XXXX. I have never been delinquent on rent. I gained what i feel was a great relationship with the management team and worked very closely to a worker by the name of XXXX. Due to my mother having XXXX XXXX and becoming sickly I ended up having to move back to XXXX in a emergency. I spoke to XXXX and a few others that worked there about my personal information whereas an agreement came about to me being able to leave a bit earlier due to my situation. They informed me that the best they can do was for me to write a letter giving my 30 day notice so they can put the apartment back on the market preventing them from losing revenue and I can leave after the 30th day. In between time I was not aware that new management was taking over. Workers changed etc. When I spoke to the new workers they made it seem like everything was okay. I am trying very hard to fight what is right. If you look at my rental history I have never owed anyone and not pay them. Even if you look into my credit history if I came to a bump in the road I paid it up. It is not fair to me to be informed certain information in agreement and understanding especially when they see I pay my rent which was the reason why they even allowed me to leave because I have done good by them. Now they are saying I owe XXXX dollars for an apartment that cost XXXX a month. I left in XX/XX/XXXX and my lease was up in XX/XX/XXXX. This is incorrect, very incorrect and I have no idea where these numbers are coming from. I feel like I am being scammed and the credit bureaus wont do a thorough investigation. They need to contact management who was there when I resided there in hopes that they remember my case to assist me with these fraudulent charges. I work very hard for my money and would take them to court before I let someone be so immoral just to take money from me that i rightfully do n't owe. I do n't mind paying any debt I have back as you can see. Please assist me with this situation. I also have witnesses from other tenants who lived by and knew my situations and the outcome of how they helped me. I am not sure if it was against their policy but because I gained such a good relationship with them, they worked with me. \n\nXXXX and XXXX has assisted with my complaint and concluded the account as being closed or Paid, but XXXX wont take the necessary steps to see that I am correct. \n\nPlease Help!! \n Company believes it acted appropriately as authorized by contract or law I.Q. Data International, Inc. NY 111XX Servicemember Consent provided Web 09/14/2015 Closed with explanation Yes No 1562746
295089 09/28/2015 Debt collection Auto Cont'd attempts collect debt not owed Debt was discharged in bankruptcy Car was repossession was sold by XXXX XXXX.But they are trying to collect the total amount we owned before they got it.Also we file bankruptcy which has this amount they are still trying to collect by putting a lean on our property. \n Company believes it acted appropriately as authorized by contract or law Stone & Hinds, P.C. TN 371XX Older American Consent provided Web 10/01/2015 Closed with non-monetary relief Yes No 1582233
295163 09/14/2015 Debt collection Credit card Communication tactics Threatened to take legal action I had a credit card from XXXX that was charged off back in the year XXXX. The account was then later sold to a Florida entity named XXXX XXXX. Around from XXXX XXXX to XXXX XXXX I was on a duty XXXX. Upon my return a year later with no prior correspondence the collection company served my roommate. I showed up to court and made payment arrangements that were inflated with interests. While I was making payment, I called in and inquired about making a payment that consisted of a large sum to be distributed evenly across a number of months. The representative on the phone accepted the payment and they defaulted me the following month for non-payment. I was a student and not working, they placed a lien on my bank account. I had a lawyer submit a file to remove the lien and told them he would be representing me from that point forward. Since then, the attorney has n't received neither calls nor correspondence from XXXX XXXX XXXX XXXX, neither have I. On Monday XXXX XXXX, at about XXXX XXXX a sheriff showed up to my apartment with a court execution order to levy my property. He parked behind my car and forbade me to leave the premises without handing over my car keys unless I wrote him a check for {$4600.00}. I pleaded with them that this car is how I earn my income as a ride share driver, he called a town truck and impounded the car with a notice to resolve the matter in 45 days or the car would be sold. Since then I have filed a Notice to Defendant of Right Against Garnishment, Wages, Money, and Other Property. I contacted the collection agency and the person handling the case advised me to have my lawyer contact them. He has tried for the past three weeks and has n't successfully spoken to anyone except for a secretary who told him someone will return his call. It appears I have n't been giving any choice in this matter. I was under the impression they 'd want their money but instead they rather have me suffer and not earning an income. I do n't understand how this is justifiable. I 'm going 21 days without my car. It 's costing me {$32.00} per day on average to travel to a per Diem job where I 'm only earning {$85.00} before tax. My hands are tied at this point, I just want to resolve this issue. Thank you. \n Company chooses not to provide a public response Hiday & Ricke, P.A. FL 334XX Servicemember Consent provided Web 09/23/2015 Closed with explanation Yes No 1562803
295316 10/06/2015 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Talked to a third party about my debt The debt collector called my mother telling her my license was suspended and etc. being as that my mothers awesome she paid the {$600.00}. However my license was in fact not suspended and the debt was already taken care of and they now say they can not refund any of the money. It has been 2.5 months and still not a penny \n Company believes it acted appropriately as authorized by contract or law Harris & Harris, Ltd. IL 600XX Servicemember Consent provided Web 10/06/2015 Closed with explanation Yes No 1594355
295328 10/19/2015 Debt collection I do not know Communication tactics Frequent or repeated calls Repeatedly called and hung up. Left no message despite the fact that their website states : " Our PCE ( Positive Consumer Experience ) program specifically focuses on being compliant in today 's recovery environment. '' They 're not compliant when they do n't state that they are a debt collection company and that they are calling about a debt or what the debt is for. \n Company believes it acted appropriately as authorized by contract or law Synergetic Communication Inc NE 681XX Servicemember Consent provided Web 10/19/2015 Closed with explanation Yes Yes 1612815
295455 09/14/2015 Debt collection Credit card Improper contact or sharing of info Talked to a third party about my debt the law office of William C. Grossman is collecting a credit card debt that I do owe and I had made payment arrangements of {$10.00} a month I have not made my XXXX payment so they called my wife who is not on the loan and I did not give the attorney authorization to talk to anyone about the loan and they discussed my mortgage how long I have left on it in a threatening way she did tell them that she was not on the loan and did n't want to discuss it and they kept forcing the issue this is in violation of FDCPA they had no right to talk to her or anyone about it \n Company chooses not to provide a public response William C. Grossman Law, PLLC. NY 144XX Older American Consent provided Web 09/14/2015 Closed with explanation Yes No 1562959
295775 09/21/2015 Debt collection Medical False statements or representation Attempted to collect wrong amount MERCH & PROF C B, XXXX, Tx. has submitted maliciously false information to the XXXX Credit Reporting Agency about my account with XXXX XXXX XXXX of XXXX, Tx.. Stating that I have debts opened in XXXX of XXXX and XXXX of XXXX. I left Texas in XXXX of XXXX, I have not been back. I notified XXXX XXXX of this situation Via Email on XXXX XXXX, XXXX, with no response! \n Company believes it acted appropriately as authorized by contract or law Merchants and Professional Bureau, Inc. SC 795XX Older American, Servicemember Consent provided Web 09/24/2015 Closed with explanation Yes No 1572695
295834 09/28/2015 Debt collection Medical False statements or representation Attempted to collect wrong amount I was in the hospital of XXXX XXXX. located in XXXX De. I suffered XXXX ( XX/XX/XXXX 2009 ) at the time. \nXXXX XXXX requested an independent ( someone who is not assigned to XXXX XXXX XXXX XXXX XXXX XXXX XXXX assigned to my case. Prior to seeing XXXX XXXX, he called me on the telephone, where he became extremely rude and lets just say unprofessional. He followed that phone call up with a visit where I told him : " I do NOT want your services. '' I shared this with him prior to any verbal exchange when he came into my XXXX room. He persisted that he attend to me ; I let him know under no uncertain terms did I need nor want his services. He was fired. Despite my directive to him and the fact that this incident occurred 6 years ago, I found out recently that a XXXX dollar bill had been assigned to my credit report through XXXX XXXX XXXX XXXX. \nThis collection agency is : A1 Collection Service XXXX XXXX XXXX XXXX. XXXX XXXX. XXXX, N.J. XXXXI feel this action is unjust and completely unwarranted. \nI do have documentation from XXXX that supports my claim and would be glad to submit that if needed. \nThe phone number to XXXX XXXX 's office ( according to the internet ) does not appear to be working. \n Company believes it acted appropriately as authorized by contract or law The TRAF Group DE 197XX Servicemember Consent provided Web 10/01/2015 Closed with explanation Yes No 1583223
295887 10/06/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was discharged in bankruptcy I bought a manufactured home in XX/XX/XXXX. It was financed byGreen tree finance Co. address is XXXX XXXX, XXXX. \nXXXX XXXX , XXXX. XXXX, XXXX I filed Chapter XXXX bankruptcy on XXXX home was exempt from them ever trying to collect this debt. I thought. I kept the payments to date until XX/XX/XXXX, my wifediedsuddenly in the living room. After that I could n't live there any more. \nThe Co started calling me on XX/XX/XXXX, that has been going on now for 14 years and they have had a derogatory report on my credit file for 14 years. I lived in this home in XXXX, and lived in it in XXXX. \nI have tried to talk to them about this account a few years ago and I was told that this will stay on my credit report until some time inXX/XX/XXXX.I have a paper the Federal court Judge stating that they ca n't ever try to collect on this debt or call me Can you please help me get this resolved. Thank you, \n Company believes it acted appropriately as authorized by contract or law Ditech Financial LLC FL 325XX Older American Consent provided Web 10/06/2015 Closed with explanation Yes No 1594669
295890 10/19/2015 Debt collection Credit card False statements or representation Indicated shouldn't respond to lawsuit I started with disputing with credit bureau because dates were wrong and account was over seven ( 7 ) years old I Lost all disputes reason given ( it met F.C.R.A. requirements ). I was shocked the only way they could say that was if paperwork dates were falsified or FCRA data does n't require much to pass their standard. I then wrote to original creditor and got no reply. Later some accounts were taken off. it helped but some accounts were duplicates. Then after the ones remaining on report 's dates changed again so I think the company my account was sold to and then they sold to ect..was in control of dates and account numbers both changed or were removed. I Got my past seven ( 7 ) years of my bank statements and there were no payments made on those days in fact no payments were made in those ( 7 ) years \n Company chooses not to provide a public response Barclays PLC TX 773XX Older American Consent provided Web 10/21/2015 Closed with explanation Yes No 1612831
295987 09/14/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I have made numerous attempts after paying off the debt over two years ago to the original creditor to get ProCollect to stop their debt collection practices. When I have called, a XXXX XXXX gets on the phone and he is very rude. He argues, but never actually gets around to the point. He insists that not only did I have to pay the original creditor, but also I should have to pay him. I have been trying to get this resolved for weeks. I get nowhere and it 's affecting my ability to purchase a home, damaging my credit, costing me money in terms of interest rate and causing the transaction to be more complex. \n Company chooses not to provide a public response ProCollect, Inc CO 809XX Servicemember Consent provided Web 09/14/2015 Closed with explanation Yes No 1563270
296044 09/28/2015 Debt collection Medical Disclosure verification of debt Not given enough info to verify debt I contacted the debt collector to find out who I originally owed the money to. I spoke with a representative and a manager. Neither would provide me with contact information for original doctor 's office. \n Company believes it acted appropriately as authorized by contract or law Herbert P. Sears Co., Inc. MT 596XX Servicemember Consent provided Web 10/08/2015 Closed with explanation Yes Yes 1583324
296124 09/21/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I am XXXX XXXX for my mother XXXX XXXX. ( XXXX acct XXXX XXXX XXXX XXXX ) XXXX went into a rest home XXXX/XXXX/2015 and my brother, XXXX tried to have her XXXX account cancelled on XXXX/XXXX/2015. He was not on the account and not being a cable subscriber unacquainted with the rigors of account management for this type of service. He was told that he could n't cancel for her so he told XXXX that he would stop payment. The bill was being auto-paid from her bank account and since he is on XXXX bank account when the XXXX/XXXX/15 payment of {$78.00} went out of her account he stopped payment and had the funds restored. On XXXX/XXXX/15 XXXX pulled XXXX from XXXX bank account and my brother had that refunded the next day. \n\nI got involved XXXX/XXXX/15 and in a compromise attempt tried to do a name change and reduction of XXXX to internet only. I refused to pay the amount they wanted for internet after cancelling phone XXXX and was pretty clear about that. XXXX actually spoke with them at this time and they claim the I was added to the account then but when XXXX handed the phone back to me the line was dead ... the call had been dropped. Knowing we could n't call them back directly we waited for them to call us back. They never did. \n\nNumerous calls later the account has been turned off as of XXXX/XXXX/15 and we have been sent to collections for approx. {$200.00}. I disputed the collection amount and charter has reviewed the case and credited us {$40.00} leaving a balance of {$150.00}. \n\nWe feel like we delivered the message to turn XXXX off over and over and pretty clearly ... even if not by their requirements. My brother should have been helped to meet their requirements rather than antagonized during the XXXX call. Or if I was on the account as they claim they should have called me. \n\nWe would like XXXX to honor the XXXX/XXXX/15 cancellation of service date. I am not sure if that would reduce our bill to {$0.00} or not but we tried and tried and tried again. they finally honored our request but quite some time later. She went in the home XXXX. we are giving them 5 weeks of pay for time she was already gone. it seems a bit exorbitant of them to want a couple months extra. \n Company believes it acted appropriately as authorized by contract or law Credit Protection Association, L.P. MT 598XX Older American, Servicemember Consent provided Web 09/21/2015 Closed with non-monetary relief Yes No 1573050
296169 09/21/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt was discharged in bankruptcy On Friday, XXXX XXXX, 2015, at XXXX, I was on the phone with USAA Bill Pay Department speaking with a representative by the name of XXXX. When I filed for bankruptcy, USAA shut down all access to their website and services and only allowed me the ability to access to my account via mobile application. I was calling to see if it was possible to regain access to by Bill Pay so I could pay my bills again. \n\nXXXX stated the restrictions were put into place because I had a credit card which was included in the bankruptcy. She will transfer to the credit card department to pay my bill and then the restrictions will be removed. When I said excuse me, she against stated that when I my credit card debt, the restrictions against my bank accounts will be lifted and I can become a " normal '' customer again. I informed her what she stated to me was very illegal ; that the debt was discharged in a BK and she can not collect on a debt that was involved in a BK and she can not promise me things that will not happen. I then asked if the phone calls are being recorded and she stammered out a few answers before I was able to be transferred. \n\nI was eventually transferred to an Executive Resolution Specialist, advised the Rep was in violation of the BK discharge and FCDPA ( false/misleading representation/unfair practices by stating restrictions would be removed when they would not, did not notify me they were collecting a debt and trying to collect a BK discharged debt ). The executive resolution specialist first asked what I was looking for in compensation, which I stated I was only trying to determine if the restrictions could be removed from my bank accounts. The Specialist informed me the restrictions on the bank account could be removed if the BK had been discharged, which had been in XX/XX/2015. After XXXX mins on the phone, I was advised the restrictions would NOT be removed and even though the debt was discharged in a BK and XXXX committed violations against FDCPA, they were sorry for her behavior. Prior to this statement, which resulted in my stating I would file a report with the CFPB and contact my BK attorney, I was advised all calls were recorded, was questioned as to why I wanted to know that information and what would the information be used for. \n Company believes it acted appropriately as authorized by contract or law USAA Savings AZ 852XX Servicemember Consent provided Web 09/21/2015 Closed with explanation Yes Yes 1573303
296287 10/06/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine My wife and I arrived home on XXXX XXXX to discover a telephone message from a " Debt Collection '' agency had called and insisted that I should call them back immediately. My return telephone resulted in being transferred to several departments with no human intervention. Subsequently, I XXXX the telephone number XXXX XXXX XXXX XXXX and discovered that the number belongs to the " AmSher XXXX Collections XXXX. '' I also discovered from the numerous comments online that its aggressive tactics are to badger the individual into paying " old debts, '' real or imagined. LET ME BE PERFECTLY CLEAR : ( 1 ) our credit score has consistently been XXXX for the last five+ years ; and ( 2 ) there are no outstanding old debts ( real or imagined ) from any bank, mortgage lender, credit cards, etc., for the last XXXX years -- period! I have no intention of allowing this scam company to extort me for any moneys. I need to determine how/what can be done to stop these harassing calls and to ensure that this " XXXX '' does n't end up on some credit report. \n Company can't verify or dispute the facts in the complaint Amsher Collection Services, Inc. FL 342XX Older American, Servicemember Consent provided Web 10/06/2015 Closed with explanation Yes Yes 1594862
296431 10/24/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Indicated committed crime not paying Phoenix Management XXXX ... Debt Collector contacted me about XXXX separate online Music supply stores. XXXX was XXXX XXXX. {$230.00} EA. AND THE XXXX ONE WAS XXXX XXXX # XXXX for {$500.00}. I told the guy on the phone, I would much rather pay the exact places back because I had a Music credit card with them and I did n't want to permanently lose my credit. He said, '' Well, if you start a payment plan with us, It will keep your National credit clean and these XXXX accounts will fall off your credit. Everything 's going as planned. The XXXX XXXX get paid off and drop right off my credit. Then XXXX XXXX # XXXX for {$500.00}, After an additional 6 weeks than normal and 15 fax 's, The balance is XXXX but the {$500.00} credit that has been as hard as building a PYRAMID! IS STILL THERE? i PAID XXXX % TO HAVE IT CLEANED UP AND INSTEAD GOT XXXX % CLEANED UP. THEY CAN EITHER " CLEAN UP '' THE OTHER {$500.00} AND MARK IT UNPAID AND SEND IT BACK TO WHERE THEY GOT IT. ME! sINCE THEIR XXXX % BUYING % PRICE= {$150.00} A ) OR B ) \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Credit Bureau of New Ulm, Inc. GA 315XX Servicemember Consent provided Web 10/29/2015 Closed with explanation Yes No 1623194
296554 09/21/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine On XXXX XXXX, 2014 I purchased a home. My spouse called XXXX and asked to be turned off on XXXX XXXX, 2014. However the gas company did not show record of this and billed for XXXX which I went back and forth with them about. \n\nThey have sent it to a collection agency and I offered to pay in full to get it removed from my credit report even though I did not live at the address any longer and whoever does or did live there used my gas or name. \n Company believes it acted appropriately as authorized by contract or law Financial Credit Network Inc CA 925XX Older American, Servicemember Consent provided Web 09/21/2015 Closed with explanation Yes No 1573025
296601 09/28/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt I have been contacted by Monterey Collections claiming I owe a debt for annual maintenance fees for a timeshare unit in XXXX. I timely responded to their initial correspondence requesting proof of debt, including signed documentation proving I am personal liable to pay this debt. \n\nSuch documents do not exist as I am not the original owner and never signed any. I bought this unit in the after market and at that time only assumed the then current year 's maintenance fees which were paid at the time of purchase. \n\nThey have not supplied me as requested any documents showing a legal responsibility to pay this ongoing fees for some undetermined time and have been reporting to the credit bureaus a debt that I do not owe, thus negatively affecting my credit. \n\nI have disputed the debt twice with the credit bureaus and each time they have sent me as letter which is attached stating : " Please note that per the FDCPA, you had 30 days from the date you were notified by Monterey that your account had been placed with Monterey Collections, to request to dispute this debt. You were notified by Monterey Collections on XXXX/XXXX/2013 and were sent notifications at that time. You failed to request for verification within the necessary time frame. " I have responded to both of these letters that this claim is false and sent them proof in the form of a letter on their company letterhead that is dated within the 30 days of their original collection attempt letter acknowledging my receipt of my request for debt validation ( also please find attached ). Even though I did timely respond, they continue to hid behind this excuse and continue to falsely report this debt. \n\nThis company has ignored my repeated threats to file a complaints which is why I have been forced to finally do so. \n Company believes it acted appropriately as authorized by contract or law Monterey Financial Services, Inc. TX 752XX Older American Consent provided Web 09/28/2015 Closed with explanation Yes No 1583570
296719 10/24/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount I owe a bill XXXX from early cancellation of contract for {$1000.00}. A debt collection agency, Valentine & Kebartas, contacted me on XXXX XXXX, 2015 to arrange payments for this debt from phone number XXXX. The employee of theirs setup payment arrangements of {$25.00} a month which I paid on the XXXX of every month until suddenly I received a call XXXX XXXX stating that the payment arrangement did n't count because the employee was never authorized to setup such an arrangement and has been fired and that I needed to either pay the whole balance or split the remaining {$1000.00} into 6 monthly payments. I explained to them that I should n't be punished for XXXX their employees mistakes and that an arrangement had been made on a recorded line and that I refuse to agree to a new arrangement. I was transferred to the night shift supervisor around XXXX XXXX who said he would keep the payment arrangement the same and transfer it to his accounts and would just call me the XXXX of every month to collect the {$25.00}. I woke up this morning to a missed call again from this agency XXXX and then received another call XXXX stating that their is no payment arrangement and that I need to pay the balance in full or break the now {$980.00} balance into XXXX monthly payments. I again asked for a supervisor and spoke with XXXX, who stated that there is no payment arrangement and he is the one who approves all payment arrangements and that {$25.00} a month is not acceptable and that is why the payment arrangement had been cancelled. I asked him how he could cancel an arrangement that had been okay for past 3 months and he said that it did n't matter that I needed to setup a new arrangement. At this point in time I told them I would be contacting the government because they made an agreement on recorded lines and are breaking them and making false representations. He explained that collection efforts and calls would continue until I agreed to more than {$25.00} a month because that amount is not acceptable and then said okay in reply to me filing a complaint and hung up. I do not believe this should be allowed or else what is the point of having agreements if they can simply break them twice in one month and then act like I have no choice but to accept a new arrangement at 6 times the original payment amount! \n Company believes it acted appropriately as authorized by contract or law Valentine and Kebartas, Inc. OH 446XX Servicemember Consent provided Web 10/28/2015 Closed with explanation Yes Yes 1623434
296758 10/06/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received we have been contacted by hunter warfield collection agency approximately 5 times. each time we requested paperwork sent through the mail for official verification. each time I provided my address and each time I was told that I would receive it within 7-10 days. I have never received anything. the last time they called me they were extremely rude and disrespectful. they argued with me and said they sent it when they never did. we told them we had no problem paying them as long as we received something official in the mail. they argued, their supervisor argued and then they hung up in my face. \n Company believes the complaint is the result of a misunderstanding Hunter Warfield, Inc. GA 315XX Servicemember Consent provided Web 10/06/2015 Closed with explanation Yes Yes 1594991
296832 09/29/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine ProCollect keeps calling me and has reported me to credit reporting agency for a debt I do not owe. They can not produce an original bill and the company they say I owe does not exist. \n Company chooses not to provide a public response ProCollect, Inc CO 801XX Older American Consent provided Web 09/30/2015 Closed with explanation Yes No 1585809
296849 10/19/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount We were told by XXXX XXXX XXXX that our service would be credited for the month prior to our move and cancellation, But instead I did n't owe a dime and now I was sent to a collection company for a service not recvd. \n Company disputes the facts presented in the complaint The CMI Group, Inc. AZ 850XX Servicemember Consent provided Web 10/19/2015 Closed with non-monetary relief Yes No 1612624
296880 10/06/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received XXXX XXXX 2015, Good Morning Attorney General, My name is XXXX XXXX XXXX, I am a senior Citizen, on XXXX! XXXX 2015 i gave written notice to the Management of the XXXX of my intention to terminate my lease at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. \nI was advised that there would be a early termination fee and i gladly accepted to pay it. \nOnce i moved out, i verified that they indeed had my forwarding address, they advised me that i would receive a bill in the next few weeks. \nYesterday i received a phone call from a collection agency named IQ DATA INTERNATIONAL XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Washington XXXX, they claim they own the debt forwarded by the XXXX apartment homes. \nI never received the bill, they forwarded the balance due to the collection agency directlly without giving me the opportunity to pay it. Furthermore the collection agency refuses to send me a DEBT Validation per FDCPA, XXXX the collector claimed she dose not have to send XXXX to me. \n\nCan you please help me resolve this issue? \n\nThank you. \n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXXCA XXXX \n Company disputes the facts presented in the complaint I.Q. Data International, Inc. CA 913XX Older American Consent provided Web 10/06/2015 Closed with explanation Yes Yes 1595031
296887 09/14/2015 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Contacted me after I asked not to I received a demand for payment from a collection agency named Monterey Collections and sent them a notice that I did not want to work with them by sending them a certified letter notifing them that under provisions of Public Laws 95-109 and 99-361, also known as the Fair Debt Collection Practices Act, that their services were no longer desired. \n\nI informed them in my certified letter to them that failure to comply with this law will result in my immediately filing a complaint with the Federal Trade Commission and the California Attorney General 's office. I also told them that I will pursue all criminal and civil claims against them and their company for refusal to adhere to this request. \n\nI am filing this complaint to follow through with my stated action I would take against them for violating this law. \n Company believes complaint is the result of an isolated error Monterey Financial Services, Inc. NV 891XX Older American Consent provided Web 09/14/2015 Closed with explanation Yes No 1563727
297170 09/14/2015 Debt collection Medical Improper contact or sharing of info Talked to a third party about my debt I was reviewing my credit report today. I saw there is a medical collection on my credit report from a visit in XX/XX/XXXX. I called both the collection agency and the hospital and they stated that the office mailed the XXXX invoices to my ex-husband 's address, in stead of to mine. They called my ex-husband 's number instead of mine. My ex-husband and I have not lived in the same home since XX/XX/XXXX. I have never lived at his current address. I was never notified of the debt. While this was an innocent mistake, the account is now in collection and on my credit report and I never knew about it. In fact the collection agency never contacted me. I contacted both XXXX and California Recovery Bureau to have this removed from my credit report and while they admit it was a mistake, they have not offered to remove it from my credit report. I have offered to pay the bill in both cases. XXXX will be calling the collection agency tomorrow to see if anything can be done. What is my recourse if they still will not remove the tradeline from my credit report? \n Company believes it acted appropriately as authorized by contract or law California Recovery Bureau, Inc. CA 920XX Servicemember Consent provided Web 09/14/2015 Closed Yes No 1563840
297223 09/22/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt resulted from identity theft Same case from case number XXXX. They have stopped since XXXX and are now again resuming their garnishment NOW with my employer. The documents sent by this company never showed my application to the firm client, there was no balance on it and the entire account was already charged off in XX/XX/XXXX. Please let Machol and Johannes LLC stop. \n Company believes it acted appropriately as authorized by contract or law Machol & Johannes, LLC WA 980XX Servicemember Consent provided Web 09/24/2015 Closed with explanation Yes Yes 1575148
297283 09/14/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt In XXXX of 2011, my daughter was in a car accident. The car which was registered in my name was towed to a local yard at the request of the police. I went to the yard ( XXXX XXXX ) and signed the ownership of the vehicle so they could sell the car. I was told that that would satisfy the cost of towing and storing the Car. \n\nI recently realized that after selling the car, XXXX XXXX also submitted a Claim to Credit Bureau Associated for Collection. The Claim is for {$2600.00}. I contacted CBA collection who stated that CBA only sold the car for {$70.00} and they want the difference. I told CBA that is ridiculous, that the hubcaps were worth {$70.00}. CBA stated that XXXX sells all of their vehicles for {$70.00}. \n\nSo then it is clear. This is a scam. I sign over the car and they sale it claiming they only received a nominal amount for the car ( {$70.00} ). They keep the cash tax-free, then sale the account to a Collections to get more money. I told CBA that I want a copy of my file including a bill of sale showing who they sold the car, what date, what amount as well as all other documentation. \n\nThey have not sent me this information. \n\nI contacted XXXX XXXX to remove this fraudulent collection and they refused. Please help with this matter. \n\nCredit Bureau AssociatesXXXX, CA XXXX TowingXXXX, XXXX, XXXX \n Company believes it acted appropriately as authorized by contract or law KelKris Associates Inc CA 957XX Servicemember Consent provided Web 09/14/2015 Closed with explanation Yes Yes 1563873
297294 10/12/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine I received a threatening letter from a Van Ru Credit Corporation about a {$20.00} balance towards XXXX XXXX XXXX XXXX. We have no debt with this company as far as I can tell with research, and have no outstanding balances with any of our medical practitioners. Normally, XXXX XXXX will send us a paper bill within 30 days of any appointment, but we have not had a XXXX ( local hospital group XXXX related appointment for nearly a year now. Additionally, when they send us a bill, it is always on the exact same form. This is a company I have never heard of, and in highly questionable font and format. Because we take extraordinary care to monitor our credit score, seeing this XXXX confused and upset me. I do n't recall having even a 'first ' notice on any {$20.00} debt to XXXX XXXX XXXX much less ignoring something long enough to require debt collection. Also ... {$20.00}? What an odd amount. \n Company chooses not to provide a public response Van Ru Credit Corporation MD 206XX Servicemember Consent provided Web 10/14/2015 Closed with non-monetary relief Yes No 1602852
297380 10/30/2015 Debt collection Credit card Improper contact or sharing of info Contacted me after I asked not to Actually never talked to this collector ERC and do not know what the debt is about. I have not heard from one of my creditors that this debt collector is taking over my debt. Called me several mornings between XXXX and XXXX. Tells me to call XXXX and give the number XXXX. I would like a list of debt collectors who are licensed to practice in Connecticut. \n Company believes it acted appropriately as authorized by contract or law ERC CT 067XX Older American Consent provided Web 11/23/2015 Closed with non-monetary relief Yes Yes 1633141
297479 09/22/2015 Debt collection Non-federal student loan False statements or representation Indicated committed crime not paying Violating FDCPA by stating removal of license if debt not paid. Multiple harassing calls and emails \n Company disputes the facts presented in the complaint Integrity Asset Partners, Ltd. TN 373XX Servicemember Consent provided Web 09/24/2015 Closed with explanation No No 1573757
297540 10/30/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Credit management company has called multiple times in the past 3 weeks alleging that I owe money ( apprx. {$300.00} XXXX to XXXX. When I inform them that I do not have a XXXX account they ask me for the last XXXX of my soc. # to 'verify the account '. I refused and said you give me the last XXXX digits, and I will tell you if you have the right person. They said they could n't do that. They said well perhaps it 's identity theft and we need to verify that. They said have you ever lived on XXXX, and I told them no. I told them I would run a credit report to see if I had any fraudulent information and to stop calling me or I would inform the attorney general of Michigan. They have called back 3 more times, and I have put a block on my phone for their number. I ran XXXX credit reports and there is no XXXX account or any other suspicious activity. The number they are calling from is XXXX. \n Company disputes the facts presented in the complaint The CMI Group, Inc. MI 482XX Older American Consent provided Web 11/03/2015 Closed with non-monetary relief Yes No 1633201
297616 09/15/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Arnold Harris PC has been harassing me for over 10 years for something that never had anything to do with me. \n Company can't verify or dispute the facts in the complaint Arnold Scott Harris, P.C. PA 189XX Older American Consent provided Web 09/16/2015 Closed with explanation Yes No 1564624
297619 10/12/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine In XXXX, 2012 when I moved to my current apartment, I contracted with XXXX to provide me TV and internet service. When the tech came to my apartment to install the dish, he told me they could not provide service because they could not see their satellite. I understood and contracted with my local cable company to provide service. I received a bill from XXXX shortly after this and I called them to explain the situation and they said they would cancel the bill. I never received a bill XXXX ( the internet provider ) so I assumed that their service was also cancelled. About six months later I got a phone call from a collection agency telling me that I owed XXXX {$440.00} and they were attempting to collect it. I explained to them that I did not owe these charges and that I never received a bill XXXX. I have not to this day ever received a bill from XXXX and that if I had I would have dealt with the issue at the time and it never would have gotten to this stage. The collection agency has placed a collections item on my otherwise impeccable credit report and I would like to have it removed. \n Company believes it acted appropriately as authorized by contract or law Amsher Collection Services, Inc. NV 890XX Older American Consent provided Web 10/15/2015 Closed with explanation Yes No 1602925
297653 10/26/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine I have va and ssa insurance that should have taken care of all my medical blls never was contacted to fix problem \n Company can't verify or dispute the facts in the complaint Grant & Weber CA 957XX Servicemember Consent provided Web 10/27/2015 Closed with explanation Yes No 1624085
297794 09/15/2015 Debt collection Credit card Improper contact or sharing of info Talked to a third party about my debt A representative from Central Portfolio Control contacted XXXX relatives regarding an account in my name. 1. They contacted my daugther by phone, shared information with her about the account, and attempted to set up payment arrangements. 2. They also contacted my son-in-law about the same debt. During the phone call to my daughter 's husband, the representative shared information about the debt such as the asserted balance owed. \n Company chooses not to provide a public response Central Portfolio Control Inc. PA 194XX Older American Consent provided Web 09/15/2015 Closed with explanation Yes No 1564668
297891 09/22/2015 Student loan Non-federal student loan Dealing with my lender or servicer Having problems with customer service BANK OF AMERICA REFUSES TO ANSWER MY QUESTION CAN I GET BOA TO LEND ME {$30000.00}. FOR PRIVATE LAW SCHOOL TUITION? LAW SCHOOL IS {$50000.00} BUT US GOVT ONLY LENDS {$20000.00}. CAN BOA LEND ME {$30000.00} FOR XXXX SCHOOL? \n Company chooses not to provide a public response Bank of America NY 100XX Older American Consent provided Web 09/22/2015 Closed with explanation Yes Yes 1575356
298094 10/30/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I am filing this complaint on behalf of my XXXX year old mom who lives alone and has XXXX. She continues to receive approximately 3 calls per day from phone number XXXX. When she answers the phone, they hang-up on her. I googled the phone number and found it to be associated with Commonwealth Financial, a debt collection agency. My mom has no debt and has always paid her bills in full and on-time. I tried contacting Commonwealth via the above phone number, but all I get is an automated message. If I select the option to speak to a live person, I automatically get hung-up on. I tried that several times to no avail. \n Company believes it acted appropriately as authorized by contract or law Commonwealth Financial Systems, Inc. TX 770XX Older American Consent provided Web 10/30/2015 Closed with explanation Yes Yes 1633361
298135 10/30/2015 Student loan Non-federal student loan Can't repay my loan Can't temporarily postpone payments I am co signer on daughters loan and daughter is unable to pay and at this time I am also out of work and unable to pay. Wells Fargo Bank has been for the last six months day and night. I have now become ill and just out of hospital and can not take the strain of the constant calling. I have informed them of the ladder and that I am trying to pay but they just keep calling. \n Company chooses not to provide a public response Wells Fargo & Company TX 760XX Older American Consent provided Web 10/30/2015 Closed with explanation Yes No 1633369
298260 10/30/2015 Debt collection Medical Communication tactics Threatened to take legal action American Collection Service continues to contact me regarding medical debts that my wife owes. When trying to work with this company for a payment plan at an amount we can afford the company will refuse any offer other than their decided amount and begins to threaten the accounts have to be paid in full or they will release the account to their lawyers and sue me. Every time this threat is made they give me a 4 hour limit to provide them a final answer or they will move forward with a law suit, and they have made this threat over the past 3 months on the same accounts. These threat start happening near the end of each month. We had a previous account with this company that had been paid in full with the agreement to remove the collection from my credit report and the company did not follow through with their agreement claiming they did not have to because they received additional accounts for my wife while the original account was being paid off. The company has so far threatened to sue us for the full amount of XXXX accounts 3 separate times, threatened to garnish my wifes wages 3 separate times, and have refused all of our payment amount offers. I was once again contacted by this company today ( XXXX XXXX 2015 ) with a 4th threat of sending all the accounts to their lawyers to file suit on the debts. Additionally, the company name is American Collection Service but they are reporting to my credit report as XXXX which I feel is purposely misleading. \n Company believes it acted appropriately as authorized by contract or law American Collection Services, Inc. (OK, TX) OK 730XX Servicemember Consent provided Web 10/30/2015 Closed with explanation Yes No 1633409
298305 10/19/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt Kimball , Tirey & St. John LLP representing XXXX properties. First, have not removed the civil judgement from my credit report. Second, the reason JKW did not except my money at the court proceedings was because they wanted me out for reporting them to housing authorities. Third, it has been over seven years. Furthermore, after reporting them they had the pipes in the build replaced due to the poor quality of water being dispensed. At the court proceeds I had the money and they did not want to take it. I can not believe that a legal firm would ethically represent such a reprehensible firm like XXXX properties. \n Company believes it acted appropriately as authorized by contract or law Kimball, Tirey & St. John LLP AZ 850XX Servicemember Consent provided Web 10/19/2015 Closed with explanation Yes No 1612860
298408 10/12/2015 Debt collection Medical Improper contact or sharing of info Talked to a third party about my debt In 2013, I suffered an emergency room visit while traveling for work out of state. I was seen by XXXX XXXX XXXX XXXX XXXX, XXXX in XXXX XXXX XXXX Utah. Phone : XXXX. I presented them with my medical insurance and was discharged the same night. I told them I was traveling for work and that my company 's work insurance should pay for the visit. I never heard from them again ( a year later, I moved ). When I ran my credit report in XXXX 2015, there was a medical collection for {$650.00}! They never tried to contact me ( my phone number has n't changed in XXXX years ). They refused to delete the collection from my report after I paid it in full ( no longer worked for the same company ). By then it was with a collector and they refused to re-call the debt. They shared my personal medical information with a debt collector, violating HIPAA and refused to re-call the debt even when I offered to pay in full and even after I explained I had no knowledge of the debt. This collection is reporting on both my XXXX and XXXX reports and I would like it removed due to HIPAA violation and the fact that they did n't disclose it to me prior to sending to collections. \n Company chooses not to provide a public response Armada Corp. CA 937XX Servicemember Consent provided Web 10/12/2015 Closed with explanation Yes Yes 1603094
298560 09/29/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received I filed a complaint against Enhanced Recovery Corp on XXXX XXXX because ERC violated the Fair Debt Collection Practices Act by failing to send me notice as required by the law before putting this account on my credit report. Your case no. is XXXX. ERC 's response to you was as follows : " As a result of this complaint, ERC has updated the account as a disputed item and placed it in an investigatory status to prevent any further collection efforts. In acknowledgement of the dispute, we have requested the account be removed from all credit reporting agencies. Please allow up to 45 days for the credit reporting agencies to process our request. '' I called ERC on XXXX XXXX to confirm that a request had been submitted. XXXX XXXX XXXX (? ) of the Compliance Dept admitted to me on the XXXX that no such request had been sent ; that it would be sent on XXXX XXXX. I called XXXX and asked how the request would be processed and was told that the computer would automatically delete the account with no human processing required. I called all XXXX bureaus on Monday and the account had not been deleted. I called all XXXX bureaus today the XXXX and the account has not been deleted and they told me that no such request was received. I called ERC this morning and was told it sent the request electronically on the XXXX. ERC 's response to CFPB was that it had already sent the deletion request by the XXXX. It also lied to me because it told me it would actually send it on the XXXX. Since the account has not been deleted from any of the bureaus, it means the bureaus have not received such a request. So, as of XXXX XXXX, no such deletion was sent or completed. When I called ERC this morning it told me to wait 45 days. ERC knows as well as I do that if I had filed a dispute with the CB 's it would take 30 days to be investigated. That is not how a request for deletion is handled by the CB 's. ERC has not only been dishonest with me and you, it continues to break the law by leaving it on my report because the courts have ruled that putting that entry on my report constitutes collection activity which is not allowed once the account is disputed. This company operates in blatant disregard for the law. \n Company believes the complaint is the result of a misunderstanding ERC UT 844XX Older American, Servicemember Consent provided Web 09/29/2015 Closed with non-monetary relief Yes No 1585649
298673 09/29/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received A breach of a debt collector, for XXXX account, which never existed in the manner presented. It has affected me a great deal, by delaying mortgage loan process closing down on my first home loan on XXXX/XXXX/15. \nI was devastated about the action by the third party I have never heard before. I had not received any statement of collections from them about this debt. \nI had not receive any notice from this third party ( Enhanced Recovery Company ) prior, but they sent the debt to the credit agencies which it apparently stopped the home closing. \nI sent a letter of protest on XXXX/XXXX/15 to ( Enhanced Recovery Company ) the third party agency collecting for XXXX. \nXXXX This Saturday XXXX/XXXX/15 was the first time receiving a letter from ( ERC ) about this account collection via XXXX. I had sent them protest notice on XXXX/XXXX/15, but the debt had already reported to all credit agencies before notifying me. This is against consumer right & protectionI will like to pursue legal action against Enhanced Recovery Company and XXXX. \nSincerely, XXXX XXXX \n Company believes it acted appropriately as authorized by contract or law ERC MD 212XX Servicemember Consent provided Web 09/29/2015 Closed with non-monetary relief Yes No 1584706
298725 09/15/2015 Debt collection Medical Communication tactics Frequent or repeated calls # 1.FALSE REPORT : untrue and not correct. reported on my credit as open acct XXXX XXXX, XXXXdebt is from medical XX/XX/XXXX for family membercalled from XXXX XX/XX/XXXX @ XXXX, XXXX, and XXXX ... repeat calls.. less then XXXX hrs apart ... Talked to a XXXX Party about Debt : the collector spoke to my Son about the debt.. offered my son a settlement for XXXX my son who is XXXX yrs. old.. at end of convo.. the Collector asked who he was speaking to my son gave him his name ... .. My son asked who he was the collector gave his name XXXX XXXX # 2 Did not disclose communication was attempt to collect a debt ... I called in on XX/XX/XXXX, because I seen on my credit.. Did not disclose communication was attempt to collect a debt at first time I contacted ... # 4 Never received notice of rights to dispute ... have had the same address for 15 years.. and another call this morning XX/XX/XXXX at XXXX.. all calls made to my cell: \n Company disputes the facts presented in the complaint Phoenix Financial Services LLC TN 370XX Servicemember Consent provided Web 09/15/2015 Closed with explanation Yes No 1565015
298822 10/30/2015 Debt collection Credit card Communication tactics Frequent or repeated calls FBCS Senior Representative XXXX XXXX (? ) contacted me XXXX XXXX at which time I told him to send me the required letter and then i would decide what to do from there. The letter arrived on XXXX XXXX indicating the debt was bought by XXXX not XXXX as XXXX had told me. I then sent them a certified, return receipt debt validation letter which was received and signed for on XXXX XXXX. \nI received calls XXXX XXXX, XXXX, and XXXX, as well as XXXX. On XXXX I talked to XXXX again and told him about the debt validation letter. He was confused and had no idea what i was talking about, he had no knowledge of what a debt validation letter meant. He finally agreed to stop calling me until the debt was validated. To date it has n't been validated even though I was told it would be in too weeks. \nI would also like to point out the Pennsylvania is a XXXX party state for recording of conversations, and i was not told until half through the conversation with XXXX that we were being recorded, and at no time was I asked for permission to record. \n Company believes complaint is the result of an isolated error Financial Business and Consumer Solutions. PA 180XX Older American Consent provided Web 10/30/2015 Closed with explanation No No 1633641
298875 10/20/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine XXXX XXXX continued attempting to charge my account after the policy was cancelled. Then the balance was turned over to Credit Collection service XXXX File XXXX. I contact XXXX XXXX and received confirmation of the error. I also contacted the collection co by emailFrom : XXXXXXXXXXXX : XXXXXXXXXXXX : RE : XXXX XXXX Recurring Charge DeclinedDate : Tue, XXXX XXXX 2015 XXXXYou are correct, I apologize for the error and have sent this to processing to hopefully stop the emails from coming in! \n\nBest regards, XXXX XXXX ( XXXX ) XXXX XXXXXXXXXXXX \n Company believes the complaint is the result of a misunderstanding CCS Financial Services, Inc. TX 750XX Older American Consent provided Web 10/20/2015 Closed with explanation Yes No 1616780
299255 10/30/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I keep getting calls from XXXX, they claim to be ERC and are attempting to collect a debt. I have a person with similar information to me that lives in Iowa the big difference is I am XXXX and he is XXXX. This ERC keeps calling and tries to threaten me to pay the debt. \n Company believes it acted appropriately as authorized by contract or law ERC IA 508XX Servicemember Consent provided Web 11/13/2015 Closed with non-monetary relief Yes Yes 1633802
299346 10/13/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Small town in XXXX. Rented a house for XXXX year. Water bills paid on time. Moved out due to retiring from XXXX XXXX XXXX. Disconnected water account prior to moving from XXXX to XXXX. New tennant moved in to XXXX house and apparantly garnered free water services ( still in my name ). Landlord and city were contacted about the new tennant needing to pay this debt. The account was eventually changed in to the new tennant 's neme but the amount pending remained in my name and the tennant never paid it or owned up to it. It is a small amount of money, easlily paid. My issue is based on principal. \n Company believes it acted appropriately as authorized by contract or law Professional Finance Company, Inc. FL 325XX Servicemember Consent provided Web 10/20/2015 Closed with non-monetary relief Yes No 1603653
299727 10/30/2015 Debt collection Non-federal student loan Cont'd attempts collect debt not owed Debt is not mine Received communication from XXXX XXXX XXXX ( XXXX ) stating I owed them for a defaulted private student loan through Peaks for attendance at XXXX XXXX, XXXX, SC. I requested debt validation because I never applied for a private student loan while attending XXXX. ERS provided me with a copy of an application/loan agreement that was e signed on XX/XX/XXXX. The enrollment period for the loan was XX/XX/XXXX to XX/XX/XXXX as listed on application. My last day at the school was XXXX/XXXX/2010. I provided an official letter from the school 's registrar that certified my dates of attendance from XX/XX/XXXX to XX/XX/XXXX. It is apparent that someone fraudulently applied for a loan for a periods of time when I was not enrolled at XXXX. These negative actions have ruined my credit as they are reporting as a defaulted loan in collections that continues to update monthly. I had no knowledge of this loan or its collections status until contacted by ERS. I faxed information to ERS to investigate and am awaiting a response to what the corrective action will be based on documents they provided. Peaks Fist Associates the original lender have no record of this loan and referred me to back to ERS. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company First Associates Loan Servicing LLC SC 291XX Servicemember Consent provided Web 10/30/2015 Closed with explanation No No 1634084
299758 10/26/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not disclosed as an attempt to collect I am so sorry to have to contact you again, but I am having an issue again with the debt collector MACHOL & JOHANNES, XXXX XXXX XXXX, XXXX XXXX, XXXX CO XXXX. XX/XX/2015, you assisted me in reaching settlement with this debt collector. \n\nAt that time, I informed XXXX XXXX XXXX, that I could give them {$4000.00} to clear this debt and remove the lien from my home. XXXX XXXX spoke with his supervisor and was told they would only accept {$7000.00} to clear this debt and remove the lien. I did n't have that amount so I settled for payments of {$100.00} a month, beginning XXXX XXXX, 2015, with no interest being charged. I have never missed a payment. \n\nOn Friday, XXXX XXXX, 2015, I called XXXX XXXX XXXX at ( XXXX ) XXXX, and informed him that I now had {$6000.00} to be used to clear this debt and release the lien on my home. I told XXXX XXXX that his supervisor wanted {$7000.00}, but I asked XXXX XXXX to ask his supervisor if he would accept the {$6000.00}. XXXX XXXX said he would speak to his supervisor and would call me back, and could he leave a message if I did n't answer. \n\nI did not hear anything from XXXX XXXX, so on Tuesday, XXXX XXXX, 2015, I called XXXX XXXX and left a detailed message for him to call me back with an answer regarding the {$6000.00}. \n\nI got no response, so on Thursday, XXXX XXXX, 2015, I again called XXXX XXXX and left another message for him to call me back regarding the {$6000.00} to clear the debt and release the lien from my home. \n\nAs of today, XXXX XXXX, 2015, I have not had a response from XXXX XXXX by with a phone call, message, or by any written communication. All I want, is to know whether or not they will accept the {$6000.00} to clear my debt and release the lien on my home. How hard is it to answer that question? \n\nThank you in advance for any assistance that you can give me in this matter as I ca n't seem to get any type of response from this debt collector. /XXXX XXXX \n Company believes it acted appropriately as authorized by contract or law Machol & Johannes, LLC CO 810XX Older American Consent provided Web 10/26/2015 Closed with explanation Yes No 1624007
299953 10/31/2015 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect i borrowed $ XXXX.which i was thankful forbut wasnt expect the ernomeous feesannual percentage is 668.17 % finance charge is $ XXXX-amount financed is $ XXXXtotal payments is $ XXXXwhich each pay period i 'm only paying $ XXXXto amount financedif i keep going like this i will be put out of my house/ and lose mycar due to the fees \n Company believes it acted appropriately as authorized by contract or law Green Trust Cash, LLC GA 301XX Older American Consent provided Web 11/02/2015 Closed with explanation Yes No 1634248
300284 09/22/2015 Debt collection Mortgage Cont'd attempts collect debt not owed Debt was discharged in bankruptcy after more than 7 years from the date of our delinquency on our XXXX mortgage and having no contact from any one attempting to collect the debt after we lost our home in a foreclosure in XXXX we suddenly have a company trying to collect the debt and they are the first company to report this debt on our credit report. We filed for bankruptcy in after our home was foreclosed on and the original creditor did not, to my knowledge, file a proof of claim- they just charged off the account since they could not collect on the sale proceeds at foreclosure They also are reporting that payments were made on the account in XXXX but our last payment before trying to negotiate a modification was in XXXX of XXXX and the home was sold at a foreclosure sale in XXXX. They may have bought the debt from some one in an attempt to collect but the statute of limitations has expired for legal action as well as the 7 year statute for reporting it on our credit report- some one has re-aged the debt by stating that there were payments made in XXXX but XXXX records show that the property was sold long before XXXX. Since our date of delinquency was in XXXX of XXXX should n't we have the right to have it removed from our credit reports .No reporting of this debt was ever on our credit report until XXXX \n Company believes it acted appropriately as authorized by contract or law Ditech Financial LLC CO 802XX Older American Consent provided Web 09/22/2015 Closed with explanation Yes Yes 1574786
300561 11/02/2015 Payday loan Payday loan Can't stop charges to bank account Can't stop charges to bank account I received a letter from Santander Bank ( XXXX PA ) on XXXX/XXXX/15 stating that I had a balance of XXXX. I mailed them a check for XXXX which they received on XXXX. I called to ask how I could pay off the remaining loan. They told me that over the one month period that had added an additional 10 % in late fees to loan and now the balance had grown by {$500.00}. \n Company chooses not to provide a public response Santander Bank US MD 208XX Older American Consent provided Web 11/03/2015 Closed Yes No 1635243
300674 10/13/2015 Debt collection I do not know Communication tactics Frequent or repeated calls I have been receiving repeated calls, XXXX to XXXX times daily for about two months from a number out of the US. The caller never leaves a message. I will not answer any calls that I do not know. This company comes up on the caller id as area code XXXX.USAA \n Company believes it acted appropriately as authorized by contract or law USAA Savings TX 758XX Older American Consent provided Web 10/23/2015 Closed with non-monetary relief Yes No 1603274
300712 10/13/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid ENHANCED RECOVERY COMPANY has re-reported a debt on my CB as a new collection item. This item has been removed several times - XXXX Bill. It is now being reported with XXXX \n Company believes it acted appropriately as authorized by contract or law ERC TX 770XX Servicemember Consent provided Web 10/13/2015 Closed with non-monetary relief Yes No 1604737
300768 10/14/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt resulted from identity theft This attempt to collect a debt that was a result of identity theft and needs to be closed and settled. I do not owe this organization money or its subsidiary. \n Company believes it acted appropriately as authorized by contract or law First National Collection Bureau, Inc. DC 200XX Servicemember Consent provided Web 10/14/2015 Closed with explanation Yes No 1605543
300770 10/14/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt resulted from identity theft This attempt to collect a debt that was a result of identity theft and needs to be closed and settled. I do not owe this organization money or its subsidiary. \n Company chooses not to provide a public response Wells Fargo & Company DC 200XX Servicemember Consent provided Web 10/14/2015 Closed with explanation Yes No 1605544
301010 10/20/2015 Student loan Non-federal student loan Dealing with my lender or servicer Having problems with customer service Hello, I obtained a loan over 7 years ago from XXXX who sold the loan. Eventually it went to XXXX who have hired MRS Associates to collect on the debt. The balance has went from XXXX when the note was originally signed to XXXX. I am a mother of XXXX I work part time as XXXX working XXXX hours a week. They refuse to make a payment arrangement base on my income to assist with paying off the debt. Since the interest is so astronomical it will never be paid off. \n Company believes it acted appropriately as authorized by contract or law MRS BPO, L.L.C. OH 458XX Servicemember Consent provided Web 11/30/2015 Closed with explanation Yes No 1615016
301148 09/29/2015 Debt collection Mortgage Taking/threatening an illegal action Threatened arrest/jail if do not pay On XXXX/XXXX/2015 at XXXX I was contacted by someone stating that they had a criminal complaint and were looking for XXXX XXXX. The person on the phone verified my contact information and stated the an officer was coming to serve me the next day. I informed the gentleman that I do not have any reasons to have any criminal complaints against me and said sure I will be here. He then asked " did the attorneys contact you, at which I replied no. At this point, I told him that I did not have time to play games with him. He put me on hold to supposedly get the attorneys and I hung up. I XXXX the number that he called from which showed up on my caller ID and it was listed as the fax number to the Arizona Superior Court in XXXX XXXX - Juror Information. Less than a week after this call I received a letter from GreenTree Servicing referencing a debt that had passed the statue of limitations and was removed from my credit report. The letter was dated XXXX/XXXX/15. Once I received the letter I called the phone number listed and it was the exact same person that called trying to threaten or scare saying that I had a criminal complaint saying someone was going to my house looking for me. I told him that as far as my knowledge this was no longer on my credit report and had been taken care of. I asked him to send any documents that he had verifying the debt and I would look it over with my attorney. Which GreenTree did not. Their letter states that the consumer has 30 days to submit proof. The entire actions of Greentree servicing from the start was deceptive and misleading in nature. \n Company believes it acted appropriately as authorized by contract or law Ditech Financial LLC AZ 856XX Servicemember Consent provided Web 10/02/2015 Closed with explanation Yes No 1585309
301312 10/14/2015 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect I am being charged over {$250.00} in fees etc? for only making a {$25.00} or {$50.00} dollar payment. I have made it clear that I can not pay a full amount of close to {$300.00} and I need to make partial payment. The company is adding almost {$300.00} per month. \nThe initial loan was under {$500.00} the bill is now almost {$1500.00} four months later. \n Company believes it acted appropriately as authorized by contract or law BlueChip Financial FL 346XX Servicemember Consent provided Web 10/16/2015 Closed with explanation Yes No 1605400
301351 09/22/2015 Student loan Non-federal student loan Dealing with my lender or servicer Received bad information about my loan I am co-signer on student loans in my son 's name at LendKey. Last Friday, XXXX XXXX, I received a message from LendKey and returned the call after checking the status of the loans at the LendKey site on-line. The party answering was also on the loan screen at the same LendKey site, but his information did not match mine as my screen showed XXXX past due loans ( 43 days and 10 days ) while the LendKey representative indicated the same XXXX loans on his screen were each 11 days past due. At any rate, upon my request the LendKey rep indicated that the total amount past due on both loans was less than {$100.00} at which point I offered to immediately bring both loans current by debiting or by means of ACH from my checking account. He said that was not possible even though I was the co-borrower/co-signer unless I would agree to allow my checking account to become the new auto debit source for future payments. I would not agree to this and upon questioning the practice of LendKey calling me and then refusing to accept payment, the LendKey rep said " the Company is working on that ''. Next, I received a letter on XXXX XXXX from LendKey dated XXXX XXXX ( the day before the telephone call ) and it indicates only XXXX of the XXXX loans in past due status and only past due for XXXX cents!. This was XXXX of the XXXX loans referred to as past due on the call on the XXXX, but is again a different past due amount. LendKey has called us in the past and we have tried to work with them, but none of the information regarding past due amounts, dates of payments and resolution on the phone ever match with what is reported at the LendKey site. This is extremely frustrating and likely to ruin my excellent credit score, plus it is a nuisance. \n Company believes complaint is the result of an isolated error LendKey Technologies, Inc. WV 247XX Older American Consent provided Web 09/22/2015 Closed with explanation Yes No 1575700
301853 10/20/2015 Debt collection Mortgage Cont'd attempts collect debt not owed Debt was paid To be clear ... the is a NEW complaint against Wells Fargo. Wells Fargo has not applied my last XXXX mortgage payments in the amount of {$640.00} each ( XX/XX/XXXX and XXXX, 2015 ), made timely, to my account. I have been getting collection calls at home and at work in addition to letters demanding that I make the payments even though I have sent the payments in. This is making me so nervous and scared that after over XXXX years of on-time payments, Wells Fargo may report me delinquent and ruin my credit due to their incompetence and errors. The reason they give for not applying the payments is because an erroneous escrow account is still open on my account and until the escrow account is satisfied, they will not apply my mortgage payments. This was the original complaint against them that has not been resolved as yet ( please refer to complaint # XXXX ). I do n't know what to do. I was instructed by Wells Fargo NOT to pay my XX/XX/XXXX taxes since e they erroneously paid them and are still working on the file as to why they paid the taxes again and why the escrow account was not removed after it balanced out to XXXX liability on my part. I apologize if this is n't making complete sense but I am so frustrated and scared about this and feel powerless to control what is happening. \n\nYour assistance is so greatly appreciated. \n Company chooses not to provide a public response Wells Fargo & Company NY 103XX Older American, Servicemember Consent provided Web 10/20/2015 Closed with explanation Yes Yes 1615051
301854 10/14/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Ive been called XXXX times a month or more for years by debt collectors looking for someone who doesnt exist at my number. I have given them my name and the fact im a retired veteran and how long ive had the phone number for ( over a decade ) both in a polite and angry manner, allways telling them to stop calling but they dont. I should not have to change my number since its the number the XXXX and military knows. They are harassing the wrong person calling at XXXX at night and XXXX in the morning. the last numbers were XXXX and XXXX. \n Company chooses not to provide a public response Altisource Portfolio Solutions, S.Ã r.l. TN 376XX Servicemember Consent provided Web 10/20/2015 Closed with explanation Yes No 1606059
302019 09/30/2015 Debt collection Payday loan Communication tactics Frequent or repeated calls They found my number from somewhere, and they constantly call making threats that they will show up at my work on XXXX XXXX or at my home. This can not be legal. Then they state I have been notified and just hang up before I can even say anything. I am disputing and I told them that. Yet, they still call and make threats to show up at my work or home. \n Company believes it acted appropriately as authorized by contract or law GVA Holdings, LLC IN 461XX Servicemember Consent provided Web 09/30/2015 Closed with monetary relief Yes No 1586344
302067 09/30/2015 Debt collection Credit card Taking/threatening an illegal action Threatened to sue on too old debt Have letter dated from XXXX/XXXX/2015 from debt that is over 10 years old and has had many CFPB complaints filed on it before, removed from credit reports several years ago, now getting threats to collect. \n Company chooses not to provide a public response Bank of America PA 188XX Servicemember Consent provided Web 09/30/2015 Closed with explanation Yes Yes 1587623
302068 09/30/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid This debt has been resolved with the original creditor XX/XX/XXXX, XXXX XXXX XXXX, XXXX, Ohio XXXX. Further, XX/XX/XXXX, XXXX Last Name unknown ( XXXX ), a mail employee of Payliance, was advised via telephone I disputed the validity of the debt since I had resolved the issue with the creditor. I provided Payliance / XXXX, a faxed and mailed copy of the pay voucher signed by XXXX, employee of XXXX XXXX, XXXX, Ohio, in the amount due and waiving any further fees. This information was updated in the system Payliance and XXXX XXXX share and utilize for collections, as verified by Customer Service, XXXX XXXX XXXX XXXX a female employee of XXXX XXXX in XXXX, Ohio. Payliance has made NO attempt at collection or verification of this debt. I have not received any written correspondence or telephone calls in regards to the validity of this debt once I disputed the debt with XXXX XXXX of PaylianceXX/XX/XXXX. I have recently attempted to resolve this disputed debt as it has come to my attention it is reported on my credit report as a derogatory item. I have attempted to resolve this with the Payliance/XXXX with no resolve. XXXX XXXX XXXX XXXX of Payliance has not attempted to collect the debt during my phone calls and has not attempted to provide any further resolution to the debt. I am providing the a log of the attempts I have recently made to resolve this issue : On XX/XX/XXXX, XXXX : Called Payliance at the listed number ( XXXX ) and was on hold for four minutes and then hung up on at XXXX. XXXX : Re-dialed Payliance at the listed number ( XXXX ) and was on hold for two minutes and then hung up on at XXXX. XXXX : Re-dialed Payliance at the listed number ( XXXX ) and spoke to XXXX XXXX XXXX ) regarding the derogatory entry on my credit report. XXXX XXXX XXXX XXXX stated he " possibly received a fax receipt for XX/XX/XXXX. '' XXXX further stated that I needed to contact XXXX XXXX and request they update the XXXX system to state the debt was paid. XXXX : I called XXXX XXXX, XXXX, Ohio, and spoke to XXXX. XXXX initials of individual who signed pay voucher and did not state her name, ) and she advised the Payliance/XXXX shows that the debt was paid XX/XX/XXXX, for the amount owed and all other fees waived. XXXX : Called Payliance at the listed number ( XXXX ) and received a voicemail message. I did not leave a message. I hung up and Re-dialed immediately, at XXXX : Spoke to Payliance/XXXX and advised XXXX XXXX XXXX XXXX that XXXX XXXX had updated the XXXX system shared with Payliance XX/XX/XXXX when I paid the debt in the store. XXXX advised XXXX XXXX needed to confirm the payment to Payliance XXXX XXXX that the debt is resolved. During the conversation, I advised XXXX XXXX XXXX XXXX I was willing to pay the {$40.00} Service Fee if I could resolve the debt and Payliance would take the derogatory information off of my credit report. XXXX refused to acknowledge my statement and continued to repeat that I needed to contact XXXX XXXX to have them update the XXXX XXXX System. XXXX : I called XXXX XXXX, XXXX, Ohio, and spoke to XXXX XXXX XXXX XXXX Customer Service Supervisor, who verified the Payliance XXXX XXXX system was updated XX/XX/XXXX, with the payment. XXXX of XXXX XXXX sent a fax confirmation to Payliance XXXX XXXX. I have made additional attempts to contact XXXX at Payliance, or anyone at Payliance, to verify if the verification has been received and updated in the XXXX System so that I can resolve this issue. I have made attempts to contact Payliance at XXXX, and no one answers, or I received the voicemail message to leave a message. I have attempted to contact XXXX XXXX at XXXX, this is the creditor information on the credit report. \n Company chooses not to provide a public response Collections Acquisition Company, Inc. OH 444XX Servicemember Consent provided Web 09/30/2015 Closed with explanation Yes No 1586376
302216 09/23/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid There was an outstanding balance owed by my ex-wife at a dentist for our children. The dentist forwarded the debt to a debt collector in XX/XX/XXXX and when I was contacted I immediately payed the debt. In XX/XX/XXXX the debt collector added a collection to my credit report for {$720.00} and refuses to remove it. I contacted the dentist office and they report they have not received the money I paid to the debt collector. Also the balance was only {$470.00} yet I paid {$610.00}. The dentist office was supposed to take care of this error but they refuse to answer my phone calls and the debt collector hangs up on me. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Stallings Financial Group, Inc. GA 300XX Servicemember Consent provided Web 09/23/2015 Closed with explanation Yes No 1575998
302335 09/30/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine i, let my family member get service with XXXX several years ago. they ran up a bill .i did n't know until collection agency sent letter .after the second XXXX i payed a settlement. now the third XXXX wants more money. \n Company believes it acted appropriately as authorized by contract or law ERC TN 384XX Older American Consent provided Web 10/05/2015 Closed with non-monetary relief Yes No 1587675
302393 09/23/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Calls routinely trying to contact my son. They have been told with every contact that my son is imprisoned and not available at my residence or at my telephone. They state that my number will be removed. The calls have continued for 11 months. Please make them leave me alone. \n Company can't verify or dispute the facts in the complaint NRA Group, LLC SC 296XX Older American, Servicemember Consent provided Web 09/23/2015 Closed Yes No 1576057
302501 11/02/2015 Debt collection Credit card Communication tactics Threatened to take legal action Initially I never was contacted by Mitchell Rubenstein & Assoc. They were not the holders listed on my credit report pulled XXXX. XXXX had sold it to another company, and I had to call that company and was told my loan had been transferred to MRA. MRA never sent me a bill or any notification that they had taken over my debt or how or where to send payments. My debt was XXXX. I called MRA on XXXX/XXXX/15, and after being grilled about why I had not made any type of payment and explaining that I did not even know they had my debt, I told them I wanted to make XXXX large payments over the next 6 weeks ( XXXX pay periods ) but could not pay it all off on that day and the women I talked to was ok with that. I made the first payment through their electronic site XXXX/XXXX/15 for XXXX. They called me on XXXX/XXXX/15 to ask me why I had not made a complete payment, claiming I said I would make {$1000.00} payments, to which I had definitely not agreed. I was threatened over the phone to immediately send them {$50.00} or be in default, and I countered that I would send their {$50.00} but then would just pay them {$100.00} a month for the next year or XXXX since my paying them off in large chunks every 2 weeks was apparently too difficult for them. She backed down and said that my sending larger amounts after my payday would be " sufficient ''. I made another electronic payment on XXXX/XXXX/15 for XXXX. When I tried to make the final payment online on XXXX/XXXX/15, their payment website was not working. I called them on XXXX/XXXX/15 and then again on XXXX/XXXX/15 and XXXX/XXXX/15, all 3 times forced to leave a message ( could not get to a live person any time ) asking them to return my call ( s ) as I wanted to make the final payment but the website was not working and I needed an address to which I could mail a check. I still have not received a return call from them. I did receive a letter dated XXXX/XXXX/15 threatening legal action since I was in default. I would not have been in default if they had ever sent me written correspondence when they took over the loan ( then I would have had an address or possibly a more direct phone number ), if they had ever sent me a bill, or if they had returned any of my phone calls. I understand that companies buy loans from other companies, but do n't they have to notify people when they do that? \n Company chooses not to provide a public response Mitchell Rubenstein & Associates, P.C. VA 234XX Servicemember Consent provided Web 11/02/2015 Closed with explanation Yes No 1635606
302577 09/23/2015 Debt collection Mortgage Cont'd attempts collect debt not owed Debt is not mine XXXX XXXX XXXX, attorney for XXXX XXXX XXXX, applied a line item to my already discharged bankruptcy for {$14000.00} in fees for himself. The bankruptcy was discharged in XXXX, XXXX. XXXX XXXX XXXX did n't even acquire the mortgage previously held by XXXX until XX/XX/XXXX. The amount for attorney fees was applied in XXXX or later. There is no date on the entry. On the bankruptcy documents, the attorney 's name is spelled wrong, as XXXX, but the word County is also spelled wrong. The address in XXXX, OR is where XXXX XXXX practices. I only discovered this addition to the bankruptcy records after a short sale failed in XX/XX/XXXX. This house was supposed to be foreclosed on in XX/XX/XXXX. I do n't know what the attorney fees are for, only that he was working for XXXX XXXX XXXX. There are similar, related complaints filed against XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, and XXXX and XXXX \n Company disputes the facts presented in the complaint Gordon, Aylworth & Tami, P.C. AZ 856XX Older American Consent provided Web 11/02/2015 Closed with explanation Yes Yes 1577382
302878 09/23/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I have had the unfortunate experience of having an account that was previously deleted from my credit file re-inserted in direct violation of the Fair Credit Reporting Act. 611 ( a ) ( 5 ) ( b ) ( i ) ( A ) " the information may not be reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies that the information is complete and accurate ''. \n\nThe account was originally deleted with XXXX, but when the responsibility of collecting the alleged debt was transferred to AMSHER COLLECTION AGENCIES, it was reinserted to my credit file without " certifying that the information is complete and accurate. " I contacted the credit reporting agencies to inform them of this mistake, and they advised I discuss directly with the furnisher of the information. \n\nI emailed the furnisher, AMSHER COLLECTION SERVICES - ORIGINALLY XXXX, the attached letter XXXX XXXX, 2015, requesting the account be immediately deleted. \n\nI followed up with a phone call to AMSHER XXXX XXXX, 2015. After much time and many transfers, I finally was speaking to the proper customer service representative, XXXX. I explained the mistake, it was likely an administrative error, requested AMSHER immediately delete the account and inform the credit reporting agencies. She stated, " Since we do not purchase debts, we can not remove them from the credit reports. " I informed her that this is in direct violation of the FCRA since they are furnishing the information! If they can furnish derogatory information then not only can they delete it, but it is their responsibility to delete it, especially when made aware of the violation of the FCRA ( re-insertion of previously deleted information ). She transferred me to her manager, XXXX XXXX. \n\nI again explained the situation to XXXX, but he stated that since they recently acquired the debt that it must be valid and therefore can not be deleted ( he stated nothing about not being able to delete it since " AMSHER does not purchase debts '' ). I informed him that these are significant violations of the FCRA - both reporting inaccurate information and reinserting information that has not been certified to be complete and accurate - and even offered a solution whereby they remove the account in question while AMSHER and XXXX internally resolve the issue. IF they " certify the information to be complete and accurate, '' then they could re-insert it and be in compliance with the FCRA. How can any furnisher of information reject such a common sense solution that is in compliance with the FCRA? \n\nI informed him that I am extremely familiar with the FCRA, and I will immediately file a complaint with the Consumer Protection Financial Bureau if he is not willing to delete it as this is an extremely clear case. He told me to " do what I have to do. " I request the account be immediately and permanently deleted from my credit file as these violations of the FCRA are negatively affecting my ability to gain employment. Due to my employment application situation and the clear violations of the FCRA, I ask that my request for deletion be expedited. \n\nThank you for your consideration. \n Company believes it acted appropriately as authorized by contract or law Amsher Collection Services, Inc. FL 331XX Servicemember Consent provided Web 09/23/2015 Closed with explanation Yes No 1577756
302886 10/20/2015 Student loan Non-federal student loan Dealing with my lender or servicer Received bad information about my loan I am sure that you have received XXXX these for student loans, private and federal, but I 'm not greedy. I understand that I signed the paperwork and agreed to the loans, but when you 're signing paperwork for a student loan program that was invented by XXXX XXXX to pull itself out of the proverbial boiling pot because it lied to the government and its investors, well then I think personal responsibility can then go out the proverbial window. No one signing you up for a loan is going to tell you that the loan is bogus and that it was created for the sole purpose of covering up XXXX 's accounting fraud. \n\nI am not asking for my federal loans to be wiped XXXX that would be outstanding, though ) simply because that was a legit loan, not a cover-up scheme of a shell of a loan. I am, however, requesting that you look into the PEAKS loan enterprise in hope that I may receive some relief from them. It is absolutely absurd and inconceivable that this type of fraudulent concoction of deceit can still be allowed to fester and infect students ' lives. It needs to be shutdown and that is why I am writing you ... .yes, relief would be nice to save XXXX dollars, but the thought of PEAKS and XXXX not being able to ruin other lives is so much more fulfilling to me. Please do not brush this under the rug. \n\nI hope this finds you well, whomever is handling this, and that you have a great day. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company First Associates Loan Servicing LLC SC 293XX Servicemember Consent provided Web 10/20/2015 Closed with explanation Yes No 1616355
303364 09/30/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine They state I owe {$88.00} and have never produced XXXX shred of evidence supporting their position. I never received services from the hospital and the hospital has been closed for over a year and a half. I was able to contact the XXXX XXXX Hospital board and confirmed with them that I do not owe this debt and have a letter confirming. However, I have disputed this claim with all XXXX agencies and they wo n't remove the fraudulent collection. \n Company believes it acted appropriately as authorized by contract or law Rash Curtis and Associates CA 954XX Servicemember Consent provided Web 09/30/2015 Closed with explanation Yes Yes 1587645
303434 11/02/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine A collection agency, ERC, called me on XXXX XXXX, XXXX ( XXXX ) XXXX, and XXXX ( XXXX ). My husband and I have NO debt. On the XXXX they asked for a XXXX. I told them no such person lived here, to eliminate my phone #, and no never call again. \nThey obviously did not remove my # since they kept calling me. In hindsight I should have asked who they were collecting for. I also requested an email confirmation from them, but was refused.They called again for the next two days ( I did not answer the phone ). But when they phoned again on the XXXX and asked for XXXX, I was irate, and told them the same as above. I 'm VERY concerned that I might be a victim of identity theft and that my credit will be adversely affected. \nThe company is ERC ( Enhanced Recovery Co. ) and the number from which they called is XXXX. They have XXXX locations - XXXX in Florida and XXXX in Georgia. There are numerous complaints on the internet. In addition to XXXX, I am also notifying the Pennsylvania Attorney General 's office, ERC, XXXX XXXX, PA, and XXXX, XXXX, and XXXX. \n Company believes it acted appropriately as authorized by contract or law ERC PA 190XX Older American Consent provided Web 11/16/2015 Closed with non-monetary relief Yes No 1636013
303569 09/23/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Frequent or repeated calls I advised that I was unaware of debt. Notified it was a mistake on XXXX. I have an account in good standing with them. Told them I would resolve the issue and was told they would take me off of call list. They r now calling over 5 times a day on my home phone. \n Company believes it acted appropriately as authorized by contract or law Penn Credit Corporation PA 187XX Servicemember Consent provided Web 09/23/2015 Closed with explanation Yes No 1576584
303571 09/23/2015 Debt collection Credit card Taking/threatening an illegal action Threatened to sue on too old debt I am XXXX year old XXXX. Pressler and Pressler counsellors at law, XXXX XXXX XXXX, XXXX, N.J. XXXX debt collectors, have been harassing me to pay a debt that occurred prior to the year XXXX. they are demanding i complete the forms they sent me requiring all sort of information regarding my personal finances. Their letter says I can make payment arrangements. this debt, i believe, is to old for collection. I do n't know what to do. I am so upset. \n Company believes it acted appropriately as authorized by contract or law Pressler & Pressler, LLP PA 191XX Older American Consent provided Web 09/23/2015 Closed with explanation Yes No 1575595
303674 09/23/2015 Student loan Non-federal student loan Dealing with my lender or servicer Received bad information about my loan This dispute involves incomplete and inaccurate information on my credit reports with XXXX loans from the same creditor, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. All XXXX have the same address. It is XXXX. XXXX XXXX, XXXX, WI, XXXX, phone number XXXX. \n\nThe account numbers are XXXX ... XXXX ; XXXX ... ./XXXX ; XXXX ... ./Great Lakes XXXX ; and XXXX ... XXXX. \n\nXXXX of these loans are closed, paid in full with zero balances. Yet they are still being reported as " Adverse '' or " Negative '' with all credit bureaus except XXXX. They have been all removed with XXXX ( copy attached ). \n\nWhen I called the creditor 's toll free number listed above, XXXX was unable to find any accounts under my name. \n\nPlease delete all XXXX accounts on my credit reports. \n\nXXXX account shows an outstanding balance of {$2400.00} as of XXXX XXXX. I owe nothing on this account. I have never received a bill yet it is being reported as current making monthly payments. \nI received a XXXX waiver from the XXXX XXXX. of XXXX dated XXXX XXXX, 2014 ( copy attached ) which wipes out all my student loan debt. Yet XXXX account, XXXX ... .under the credit name of XXXX XXXX XXXX XXXX shows an outstanding balance with XXXX late pays in its payment history. \n Company believes it acted appropriately as authorized by contract or law Great Lakes OH 441XX Older American Consent provided Web 09/29/2015 Closed with explanation Yes No 1575607
303706 09/23/2015 Debt collection I do not know Taking/threatening an illegal action Threatened arrest/jail if do not pay Numerous phone calls and voice mails where messages are left claiming my social security number has been seized by the government, someone will be coming to my home to make an arrest for theft by deception, their is a case filed against me, and they have started calling and using my personal cell phone number to register as the number calling my phone! They have also contacted my last employer numerous times and corresponded on my private employer email account, as well as started calling numerous others and leaving information about me on others ' voice mails! \n Company believes complaint represents an opportunity for improvement to better serve consumers Solidus Group LLC. TX 750XX Servicemember Consent provided Web 09/28/2015 Closed with explanation Yes No 1576646
303725 09/23/2015 Debt collection Medical Improper contact or sharing of info Talked to a third party about my debt PDQ Services , Inc is in violation of HIPAA on an account you have reported on my credit file. The company is XXXX XXXX XXXX, XXXX XXXX. ( A XXXX search of " XXXX XXXX XXXX XXXX '' returns the medical office # XXXX in the search results. ) '' Under a new FACTA provision, consumer reporting agencies may not report the name, address, and telephone number of any medical creditor unless the information is provided in codes that do not identify or infer the provider of care or the individual 's medical condition. This does not apply to insurance companies selling other than property and casualty insurance. ( FCRA 605 ( a ) ( 6 ) ). " I am requesting that you delete any reference to this account from my credit files contained on all XXXX credit bureaus.. \n Company believes it acted appropriately as authorized by contract or law PDQ Services, Inc. GA 302XX Servicemember Consent provided Web 09/23/2015 Closed with explanation Yes Yes 1576648
303784 09/30/2015 Debt collection Payday loan Communication tactics Threatened to take legal action Continuous calling my number and threating my family and I with legal action. \n Company disputes the facts presented in the complaint EBA,LLC OK 735XX Servicemember Consent provided Web 10/07/2015 Closed with explanation No No 1587403
303932 10/07/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Fidellis XXXX XXXX in NC called XXXX in 1 day without leaving a message When I called back, they say I owe {$680.00} filed by XXXX XXXX Screening in XXXX, GA. I never heard of this company. Never did business with this comp. And certainly never received a bill. Fidellis accused me of throwing the bill away. Fidellis will not provide any paperwork. They wo n't contact XXXX to verify and wo n't clear the collection - it 's now been reported to the credit companies. Further investigation through our dentist who used this company for XXXX screening XXXX was told by XXXX there would be NO fees charged to patients because they would bill medical ins comp. and accept whatever payment they could get. It appears that XXXX sold patients names to Fidellis for bogus debts. Mine included. \n Company chooses not to provide a public response Fidelis Recovery Management, LLC SC 294XX Older American, Servicemember Consent provided Web 10/07/2015 Closed with explanation Yes No 1597319
303937 09/23/2015 Debt collection Medical Disclosure verification of debt Right to dispute notice not received Received credit report and noticed that an account was turned over to collections. I was shocked and appalled. Do not recognize this account. However I do recognized XXXX XXXX. Services were provided in 2013. I never received any notices that bill was past due. I also felt that XXXX was to have filed a claim on my behalf in accordance with XXXX procedures. I checked with MEDICARE and was informed that they show no records of any claims in the amount of {$850.00}. A duplicate bill in the amount of {$850.00} along with XXXX form was sent to XXXX. XXXX stated that in order to process bill, I must completed the XXXX form and return along with the bill. No correspondence ever received stating that claim had been denied. Lead to believe that bill had been processed. Feels like I am getting the run around and am being penalized for the non-actions of others. \n Company chooses not to provide a public response American Collections Enterprise, Inc. WV 254XX Older American, Servicemember Consent provided Web 10/05/2015 Closed Yes Yes 1577365
303941 09/23/2015 Debt collection Medical Disclosure verification of debt Right to dispute notice not received Received credit report and noticed that an account was turned over to collections. I was shocked and appalled. Do not recognize this account. However I do recognized XXXX XXXX. XXXX were provided in 2013. I never received any notices that bill was past due. I also felt that XXXX was to have filed a claim on my behalf in accordance with XXXX procedures. I checked with XXXX and was informed that they show no records of any claims in the amount of {$850.00}. A duplicate bill in the amount of {$850.00} along with XXXX form was sent to XXXX. XXXX stated that in order to process bill, I must completed the XXXX form and return along with the bill. No correspondence ever received stating that claim had been denied. Lead to believe that bill had been processed. Feels like I am getting the run around and am being penalized for the non-actions of others. \n Company chooses not to provide a public response American Collections Enterprise, Inc. WV 254XX Older American, Servicemember Consent provided Web 09/28/2015 Closed with explanation Yes Yes 1577366
304243 10/21/2015 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Talked to a third party about my debt I have a debt with a company that my ex wife works for. I also currently have a garnishment order in place through my employer for the debt. I found out by checking my account balance that the company she works for has garnished my hsa ( health savings account ) which is an exempt account for the debt. My ex wife is the only person that knows about that account since I use it to pay our children 's medical bills. I called the medical facility and was told that she was given account information and receipts of my medical payments. This is a violation of fdcpa procedures and a violation of my privacy to use personal information to obtain payments for my debt. This is not the first time my information has been acquired either. I have also obtained new phone numbers since my debt has been with her company and she has obtained the phone numbers without me providing them to her. My personal information is being shared throughout her agency. I have called and complained already regarding the phone numbers she obtained with no resolve. None of my garnishment paperwork shows anything about my hsa account either. \n Company disputes the facts presented in the complaint Portland Credit Inc OR 971XX Servicemember Consent provided Web 10/23/2015 Closed with explanation Yes Yes 1617185
304272 10/14/2015 Debt collection Credit card False statements or representation Attempted to collect wrong amount Conituous calls to collect debt that is over card limit? I am current on payments and have NEVER been late for tha past ten years. But they call from " Collections '' asking how I can resovle my debt. I ask am I late? Did I miss a payment? The answer is no " But '' its over the limit and want to know if i want to make a plan or arrangements to get the amount below the allowed credit limit? \n Company believes it acted appropriately as authorized by contract or law USAA Savings AZ 853XX Servicemember Consent provided Web 10/14/2015 Closed with explanation Yes No 1607033
304379 10/26/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Calling my residence on a debt that I do not owe. Harrassing \n Company believes it acted appropriately as authorized by contract or law ERC CA 940XX Servicemember Consent provided Web 10/29/2015 Closed with non-monetary relief Yes No 1623878
304422 11/02/2015 Debt collection Federal student loan Cont'd attempts collect debt not owed Debt resulted from identity theft I had a student loan back in 2002, was finally paid off this summer and now I get a statement from citibank/XXXX XXXX XXXX saying I now owe {$18000.00} dollars, which is entirely false, I never owe anything close to that. I do some research and found out that Citibank/XXXX XXXX XXXX may be a Scam company. Please help me because they are threatening to sue me by another outside lawyer firm called XXXX XXXX XXXX XXXX XXXX , XXXX . Their infomation is- XXXX XXXX XXXX XXXX XXXX , XXXX . \nXXXX XXXX XXXX, XXXX . XXXX XXXX, MD XXXX XXXX thank you in advance for any help you can lend to me. \n Company chooses not to provide a public response Citibank MD 212XX Servicemember Consent provided Web 11/04/2015 Closed with explanation Yes No 1636553
304487 09/23/2015 Debt collection I do not know False statements or representation Attempted to collect wrong amount A debt collection agency is claiming that they will submit to both my account and my wife 's account on XXXX and XXXX a debt claimed by an HOA as a separate debt each year that the HOA submits the debt as delinquent. Thus, the disputed debt will continue on our credit report in perpetuum. We disputed this debt many times already. Is this legal? \n Company chooses not to provide a public response Meridian Financial Services, Inc. NC 280XX Older American Consent provided Web 09/23/2015 Closed with explanation Yes No 1576931
304489 11/08/2015 Debt collection Medical Disclosure verification of debt Right to dispute notice not received I called this Revenue Recovery to ask for an itemized statement for a large medical bill I do not remember, I assumed it was a previous collection agency handling one of my other medical bills. They agreed to send it in the mail. I am trying to see if the VA will help me pay for any of the debt since I was n't close enough to a VA facility at the time. I agreed to make payments definitely, and told them it would be in various amounts and frequently throughout the month since I would pay with income from my employment and VA compensation. 2 days later, I have a new collections account on my credit report that just showed up. My credit score drops XXXX points and I find this extremely unfair to do period, especially 2 days after I contact them for verbal agreement. The only statement I have does not have my apartment number on it and that is why I told them I may have not been getting any other letters from their company. I 'm in a better place financially and am now able to pay on all of my debts simultaneously, I go about doing it and end up with this. There has to be some way to undo this. I am calling tomorrow morning and speaking with a supervisor. I have attached what I just found to be the original creditor ( the hospital ) on my credit report under the " Collections Removed '' portion. They are listed there twice. Duplicated, same name and amount of {$640.00} I know nothing about. Why was this there then removed? And who removed this? This is why I asked for the itemized statement, to verify amounts for instances like this. \n Company chooses not to provide a public response Revenue Recovery Corporation KY 402XX Servicemember Consent provided Web 11/08/2015 Closed with explanation Yes No 1645453
304702 11/03/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Indicated shouldn't respond to lawsuit it in XXXX 2015, 15 years later. XXXX XXXX said they did n't and they did n't have too. They have no documents and said i could n't dispute it. It was never sent to collections nothing. I do n't think i owe a debt. Then they moved {$870.00}. If they made mistakes then and now why am i fighting and losing the battle. I think i shpuld have been notified instead of them just seeing that i had a credit and decide to take money. Where is the due process here? Why did n't it go to collections? Why am I being told i ca n't dispute it? What 's the statute of limitations? \n Company believes it acted appropriately as authorized by contract or law Army and Air Force Exchange Service NC 283XX Servicemember Consent provided Web 11/03/2015 Closed with explanation Yes No 1637267
304876 09/23/2015 Debt collection Credit card False statements or representation Attempted to collect wrong amount I am about to retire. I went in to my credit report to make sure everything was OK. I found an item for a company credit card from years ago. Over the years I had paid much more on interest than I originally used on the card. The amount on the credit card was for {$20000.00}. I called the company on the credit report, ( XXXX XXXX XXXX ) which is a collection company. We discussed the matter over the phone and came to an agreement to satisfy this matter for the price of {$5000.00}. Check # XXXX from XXXX, XXXX, MA I sent them the money via a check over the Internet. They in turn were supposed to send me an email confirming this arrangement and that this amount was to satisfy the matter completely. This was two days ago and I have yet to receive a message confirming this arrangement. At this point I am leery that the company has simply cashed my check and taken no further action to resolve this issue on my credit report. \n Company chooses not to provide a public response Citibank MA 019XX Older American, Servicemember Consent provided Web 09/23/2015 Closed with explanation Yes Yes 1577097
304947 10/15/2015 Debt collection Auto Cont'd attempts collect debt not owed Debt was paid I had an auto which Wells Fargo repossed XX/XX/XXXX for late payments. In the year XX/XX/XXXX, I received a XXXX which was to claim income on this debt. \n\nAfter two years since then, the amount is remaining on my credit report. \n\nIs this proper? Can I get it removed as I am trying ever so hard to clean up my credit score. \n Company chooses not to provide a public response Wells Fargo & Company RI 029XX Older American Consent provided Web 10/15/2015 Closed with explanation Yes No 1607943
304950 09/23/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I keep getting calls, they have called my ex husband and my work. They threaten a lawsuit jail time and to have my drivers license revoked. \n Company chooses not to provide a public response Cooper Hoffman Klein Associates TX 761XX Servicemember Consent provided Web 09/23/2015 Closed with explanation Yes Yes 1577133
305152 10/27/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine continued calls from XXXX XXXX financial seeking a person that does not live here, i called back 4 times to ask that my phone number be removed from caller list they said it would be removed but it has not and i keep getting calls. the calls are on my caller id and phone bills. please make them stop. thank you. \n Company believes it acted appropriately as authorized by contract or law Financial Business and Consumer Solutions. CA 923XX Older American Consent provided Web 11/12/2015 Closed with explanation Yes No 1626252
305201 11/09/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt was paid I had purchased something through XXXX. About 2 months later i received an invoice from XXXX XXXX. I had no idea whoa they were. On the invoice it showed XXXX purchases and late fees of almost {$100.00}. I contacted the company and spoke to rep. It took almost an hour for him to finally tell me that XXXX was formerly XXXX I had used them about a year earlier and had paid the statement. I was told that although I had thought that I was currently using XXXX, somehow my charges were transferred XXXX. I asked the rep if that were true, why had I not ever received an invoice. I told him if I check and I do owe the charges, I would pay them. However, we disputed the late fees. I told him I was not going to pay late fees since I had no responsiblity. We had a heated discussion and he said he would file a dispute. \n\nAfter that I started getting collection calls XXXX or XXXX a day, sometimes XXXX. I contacted XXXX XXXX by email telling about the situation. Shortly after, I received an email back from the Attorney for XXXX XXXX saying the calls would stop. The calls continue to this date. I have my phone log since these calls started. I swear to you and I will show you each call, that there are at least a XXXX calls, probably more. \n\nYou know, I was in the service during XXXX XXXX when I had been XXXX by people just for wearing my uniform. As a result of my term of duty I was awarded XXXX Part of that includes XXXX. \n\nI really do n't know how more of this I can take. PLEASE HELP ME. I have everything I have stated that I have and, you or any representative you may want to review any of this at any time to verify all this. \n\nThank you so very much for any help you can provide. \n\nXXXX XXXX XXXX \n Company believes it acted appropriately as authorized by contract or law ERC OK 740XX Older American Consent provided Web 11/10/2015 Closed with non-monetary relief Yes No 1645968
305651 11/09/2015 Debt collection Payday loan Taking/threatening an illegal action Threatened to sue on too old debt This activity is still controlled by XXXX XXXX XXXX that made the illegal usury unlicensed high interest rate to me, I have paid them {$2700.00} on a one year account of {$2500.00} of 1000 %, XXXX XXXX gave this account to their affiliate XXXX XXXX XXXX XXXX XXXX XXXX XXXX Who in return gave the illegal activity to another affiliate XXXX XXXX XXXX # XXXX these companies do not have the legal right to collect usury interest rate accounts and these companies do not have a license to collect XXXX interest rates that are designed to prey and take advantage of old people, they are not licensed by the Ca .Department of Business Oversight or the CFPBThanksC/C XXXX XXXX attorney general state of Ca. \n\n\n\n\n\n\n\n\nC/C XXXX XXXX -Attorney General State Of CA. \n Company believes it acted appropriately as authorized by contract or law Zenith Financial Network Inc CA 917XX Older American Consent provided Web 11/09/2015 Closed with explanation Yes Yes 1647273
305927 10/27/2015 Debt collection Credit card Disclosure verification of debt Right to dispute notice not received I was contacted by United Collections Bureau about a credit card debt. They did not notify me of my right to dispute. I paid the full amount they stated I owed and they have not sent me written acknowledgement that my debt has been cleared, after they stated they would. \n Company chooses not to provide a public response United Collection Bureau, Inc. MA 024XX Older American Consent provided Web 10/27/2015 Closed with explanation Yes No 1627021
306042 11/09/2015 Debt collection I do not know Communication tactics Frequent or repeated calls Since XXXX the XXXX XXXX of XXXX XXXX ' has called my home phone number XXXX times. The robo call stated they are a debt collector and ask for a return call. During this time I have noted XXXX phone numbers. Today I returned their call, the first XXXX numbers are no longer working numbers and the newest one XXXX is a number that does not have a voice mail box set up yet. Due to these robo calsl I have to allow my answering machine to handle all incoming calls. This has the effect of denying me the unrestricted use of my home pone. My home phone number is on the 'Do Not Call ' registry. \n Company can't verify or dispute the facts in the complaint Harris & Harris, Ltd. IL 600XX Servicemember Consent provided Web 11/12/2015 Closed with explanation Yes No 1646836
306148 11/09/2015 Debt collection Non-federal student loan False statements or representation Impersonated an attorney or official Over the last 18 years I have been receiving letters regarding the payment of this debt. I was born XX/XX/XXXX the documents to this were signed 2 months after my XXXX birthday. The staff at the school told me I had to sign them because my parents were at work. I paid monthly even though I could not attend class as there was no one to teach the class I was the only student. Then the school closed, so I did not get to attend but for 1 week. I have been receiving letters with " Department of education '' listed as the sender since I was about XXXX ( 10 years after the document was signed ) after providing verification that I was under XXXX at the time, proof that the document signed was a XXXX XXXX loan ( not through the Department of Education ) and proof from the Department of education that they know nothing of this debt. Once received the company who owed the debt would close my case with them, then the debt gets sold and I have to go through this all over again. I am now being harassed by Action Financial Services, they continue to call my cell phone and even contacted me here at the Law Firm I managed ( XXXX XXXX is the Collector for XXXX XXXX I have asked them not to call my phone or work and explained again that I did not get to attend the school, it is not through Dept. of Ed. and I was only XXXX at the time. Then the letters started being mailed to my home, I received 10 in a 2 week period. The last one being a Department of Education letter stating " Notice of Proposed Wage Garnishment ''. I have called the Department of Education and spoke to XXXX who gave me the Case # XXXX she stated my student loans with them are current and all payments are received. She stated this company does not have anything to do with the Dept. of Ed and if I owed Student loans through them I would not have been approved for Grants/Loans that I currently have. She reviewed the documents from AFS that say " XXXX '' and stated these should not have been sent as Dept of Ed has nothing to do with XXXX Loans. She then referred me to Ombudsman through the Dept. of Ed. I contacted them Case # XXXX Spoke to XXXX who suggested that I do not give any information directly to this company as the " Proposed Garnishment '' document lists an address in XXXX GA which she states that phone number and Address has nothing to do with the Dept. of Education and due to the fact that my Student loans with them are Currently being paid it would be illegal for them to Garnish my wages for Student Loans. She then referred me to Consumer finance. I have provided all the information I can to these companies and they have continued to sell this debt regardless of it being from XX/XX/XXXX ( per their records sent to me ) when I was XXXX years ol. \n Company chooses not to provide a public response Action Financial Services, LLC FL 336XX Servicemember Consent provided Web 11/09/2015 Closed with explanation Yes Yes 1647042
306330 10/21/2015 Payday loan Payday loan Can't stop charges to bank account Can't stop charges to bank account I requested spot loan to draft the full payment via e-mail below : Post the full balance for payment ... \nThank XXXX : Help at Spotloan [ mailto : XXXXXXXXXXXX ] Sent : Thursday, XXXX XXXX, 2015 XXXX XXXXTo : XXXX, XXXX XXXX : XXXXXXXXXXXX : Your spotloanHey XXXX, Thanks for checking in on your loan. Your current account balance is {$140.00} and your next payment of {$110.00} is due on XXXX/XXXX/15. Remember, your account balance changes daily to reflect interest and, we require at least a 2 business day notice in order to make payment arrangements. \n\nOur hours of operation are Monday - Friday XXXX CST to XXXX CST and Saturday XXXX CST to XXXX CST. If you have any questions or concerns, do n't hesitate to give us a call or send us an email and any one of our Relationship Managers will be more than pleased to assist you. \n\nSpotfully yours, XXXX XXXXSpotloan Relationship manager/ Help XXXXXXXXXXXXXXXXXXXX \n Company believes complaint is the result of an isolated error BlueChip Financial LA 700XX Servicemember Consent provided Web 10/23/2015 Closed with explanation Yes No 1618995
306361 11/03/2015 Debt collection I do not know Improper contact or sharing of info Contacted me after I asked not to This agency continues to contact me at my place of employment after I have asked them to stop. I requested that whatever debt they are calling regarding that they send to me in writing and I have not received anything but they will not stop calling me at work. The 1st time I asked them not to contact me at work the woman on the other end of the line proceeded to argue with me and advising I provided this number which is incorrect. I do n't use my work phone number as a method of contact. \n Company believes it acted appropriately as authorized by contract or law Harris & Harris, Ltd. IN 462XX Servicemember Consent provided Web 11/03/2015 Closed with explanation Yes No 1636718
306598 11/03/2015 Debt collection Non-federal student loan Disclosure verification of debt Right to dispute notice not received As per my correspondence received XX/XX/XXXX concerning my dispute with the University of XXXX . ( SEE ATTACHED DOC ) How can an invalidated debt become a charge-off? \n\nI am in dispute of this charge-off. A charge-off is a notation on your credit report indicating that the original lender has written off the charge as unlikely to ever be paid. An account that is 120 to 180 days past due usually will be charged off. In this situation, I find it particularly troubling that XXXX would charge-off a debt at such a stage. ESPECIALLY WITH A {$00.00} BALANCE. ( SEE ACCOUNT HISTORY. \nA charge-off is an internal bookkeeping measure taken by a creditor that requires a concurrent finding by them that they now considers the debt to be " uncollectible. '' In this case, It is pretty far stretch for them to conclude that this debt was uncollectible when it has not even reached the stage of being reportable to a CRA as a 30-day late, and I never received notification that I owed this debt. \nCharge-offs are required by statute for many creditors when a debt has reached a certain level of delinquency, usually 180 days. The reason for compelling charge-offs is to prevent corporations from overstating their assets, of which unpaid debts are a receivable asset, in their financial reportings, and thus misleading stockholders and others of the financial stability of a corporation. \n\nAccordingly, I can show any judge that this accounts is inaccurate and that XXXX has violated the Fair Credit Reporting Act by ignoring my requests to investigate the items. My previous letters -- stated my reasons for an investigation and these reasons were not frivolous in any way. As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from My University XXXX XXXX Payment History Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account. Please provide a copy of this document, ( Check ) for this transaction that was endorsed by me, that XXXX claims was issued to me in the amount of {$810.00} on XX/XX/XXXX, to substantiate this transaction. \nOn the other hand, an institution of higher education that reports information regarding a student loan to the CRAs, must report it in a manner consistent with the rules of the FCRA and it must also respond to a request for investigation in compliance with the statute, the FCRA should still protect consumers from inaccurate reporting. Debtors deserve the right to dispute a debt and request an investigation of inaccurate reporting. Allowing colleges and universities to avoid their responsibility as a furnisher would contradict the purpose of this consumer minded statute. \nIf this final request does not prompt you to conduct a proper investigation of the accounts in question, and send proof to me of said investigation, I will file a civil suit. for damages. I take my credit very seriously and XXXX 's lack of professionalism and assistance is unacceptable. I am well aware of my rights under the FCRA and intend to pursue them to the maximum. \nFurthermore, as per Financial Business and Consumer Solutions ( FBCS ), I have not received any correspondence. Therefore, this agency is in violation of the following code : As per, 809. Validation of debts [ 15 USC 1692g ] ( a ) Within five days after the initial communication with a consumer in connection with the collection of any debt, a debt collector shall, unless the following information is contained in the initial communication or the consumer has paid the debt, send the consumer a written notice containing - FBCS was failed to comply and a request for validation is requested. \n\n( 1 ) a statement that unless the consumer, within thirty days after receipt of the notice, disputes the validity of the debt, or any portion thereof. \n Company believes it acted appropriately as authorized by contract or law Financial Business and Consumer Solutions. GA 314XX Older American Consent provided Web 11/03/2015 Closed with explanation Yes No 1636754
306868 11/23/2015 Debt collection Auto Cont'd attempts collect debt not owed Debt was discharged in bankruptcy On XXXX XXXX 2015, I sent a letter to Wells Fargo Dealer Services asking to validate a debt it claims I owe. This debt has been paid in full through my Co-applicants XXXX XXXX Chapter XXXX. Although they are reporting that account # 's XXXX and XXXX to the credit reporting agencies as accurate collections account. I also filed a complaint with the XXXX regarding this matter case # XXXX. A research remediation representative name XXXX XXXX XXXX verified the account ending in XXXX was in deed accurate. XXXX/XXXX/2015 I spoke with a few customer reps at Wells Fargo Dealer servicesXXXX ID # XXXX, XXXX ID # XXXX and XXXX XXXX who all confirmed that the account numbers that I had giving them were not valid accounts. XXXX XXXX was very rude per our conversation this morning. Also stating that she could not provide me with any information because i refuse to confirm my SSN for her. I have corresponded with my Co-applicant on this issue and she provided documents to support our claim that this debt was in deed payed in full through her chapter XXXX. Wells Fargo has continued to report inaccurate information which violates FTC resulting in damages in my financial records. \n Company chooses not to provide a public response Wells Fargo & Company IL 620XX Servicemember Consent provided Web 11/30/2015 Closed with explanation Yes Yes 1667844
306871 10/27/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid Procollect said I owed {$200.00} for a debt for medical treatment by XXXX XXXX XXXX for me, XXXX XXXX, date of service, XXXX/XXXX/08. My XXXX XXXX plan EOB shows that they were paid the PPO allowed charge of {$200.00} and I owed {$0.00}. I have talked to them a number of times, mailed letters from my health plan, and a copy of the EOB. They will not work with me to resolve the matter, refuse to let me talk, insist I owe the debt, reported me to the credit bureaus and continue to harass me by phone \n Company chooses not to provide a public response ProCollect, Inc TX 760XX Servicemember Consent provided Web 10/27/2015 Closed with explanation Yes Yes 1627614
306997 11/10/2015 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Contacted me instead of my attorney I disputed a debt the debt collect witch represent themselves as law firm is in the business of collecting debts. I disputed the validity of the debt and requested specific information to validate the debt. I provided proof of why I disputed the debt and questioned the financial charge they were attempting to collect and asked the collector to validate the debt. I sent my request in writing and return receipt. Proof of that mailing I also requested the collector after XXXX XXXX, 2015 only communicate with my attorney. Provided contact information in that letter of my attorney. As of the filing of this complaint I have receive to demands for payment directly. The letters are carefully crafted to give impression that legal action will be taken but the debt has not been personally review by an attorney. The letterhead represents themselves as attorneys. \n\nThese demands for payment states that I also failed to respond to request for information this is also a false statement. \n\nI have include copies of both mailing from the collector and my responses to the original claim of the debt. I had to mail them twice be there was refusal to accept my original and it was returned to me. \n\nI have included scanned copies of the returned mailing both of my letters. This firm has violated the act by communicating directly with after I specifically request them to address there responses to my attorney. \n\nIf you will provide me with an email address or other process to send you copies of following:1 USPS returned receipts2. Copies of USPS receipts that have deliverary tracking numbers3. additional copies of letters sent to collector4. Copies of letters received from collector after my letters requesting they only contact my attorney5. Copies of my letter to my attorney that I requested them to be contacted. \n Company believes it acted appropriately as authorized by contract or law Linebarger Goggan Blair & Sampson, LLP TX 770XX Servicemember Consent provided Web 11/10/2015 Closed with explanation Yes No 1649601
307047 11/10/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid Medical revenue Service is attempting to collect a debt I XXXX do not owe. This debt was settled by XXXX Insurance company and I was told by them I do not owe the bill. The Ac # XXXX XXXX XXXX XXXX XXXX Date : XXXX/XXXX/2015 Balance {$4200.00}. Supposed debtor XXXX XXXX. I do not owe this bill and I am continually being harassed by both XXXX XXXX XXXX and their collection agency Medical Revenue Services. We were told on numerous occasions by XXXX Insurance that we do n't owe this bill. This bill appears on our XXXX Insurance Account as nothing owed. I do owe a balance of {$2200.00} which I have been paying {$100.00} a month on that balance. In the latest collection threat my outstanding balance latest {$100.00} payment was not credited. Medical Revenue Service combined the outstanding balance I owe ( {$2300.00} less {$100.00} ) with the outstanding balance I do n't owe ( {$4200.00} ) for a Total Amount Due of {$6.00}, XXXX. \n Company chooses not to provide a public response Medical Data Systems, Inc. NV 891XX Older American Consent provided Web 11/12/2015 Closed with explanation Yes No 1648074
307083 10/27/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid Service provider, XXXX XXXX XXXX XXXX is double billing for a procedure. Since the second bill is false as I did not have XXXX identical XXXX on the same day at the same time at the same facility by the same or different Doctor ( s ). The service provider, XXXX XXXX XXXX XXXX has submitted the second false/fraudulent procedure to my insurance provider, XXXX XXXX of California and consequently XXXX XXXX XXXX XXXX has submitted this false claim to a collection agency, CMRE Financial Services to collect for a procedure that never happened. I need the harassment and threats to damage my credit from CMRE Financial Services to stop, I need XXXX to understand the second claim was fraudulent and I need XXXX XXXX XXXX XXXX to stop double billing so this matter can be expunged from all data bases. \n Company chooses not to provide a public response CMRE Financial Services, Inc. CA 926XX Older American Consent provided Web 10/29/2015 Closed with explanation Yes No 1627727
307169 11/10/2015 Debt collection Auto Cont'd attempts collect debt not owed Debt resulted from identity theft An account was opened in my name that does not belong to me. Westlake Financial Services continues to try to collect a debt that does not belong to me, and they are continuing to report it on my credit file when they have been told that the debt was as a result of identity theft/identity fraud. I have contacted this company and told them verbally, by email, and by certified letter with return receipt that this is not may account and that they were reporting it against the wrong person. Westlake Financial Services has refused to respond to me, and they continue to report this fraudulent information to the credit bureau. I have demanded that they send me the documents to prove that this account belongs to me and they have refused to do so. I have asked for a copy of the signed contract, and any other information that they have to prove that this account belongs to me and they will not even respond. Instead of responding to my requests they continue to report this fraudulent information to the credit bureaus. Westlake has done nothing at all to prove that this account belongs to me. I have sent Westlake Financial Services a copy of a police report, and identity theft affidavit so that they would know that this is not my account, but they refuse to comply with my request. \n Company believes it acted appropriately as authorized by contract or law Westlake Services, LLC SC 294XX Servicemember Consent provided Web 11/10/2015 Closed with explanation Yes Yes 1649876
307249 11/04/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount In XXXX 2015, I cancelled service with XXXX XXXX XXXX. At cancellation, I disputed the final bill and attempted to return a phone that I was leasing via a letter sent to XXXX XXXX XXXX dated XXXX XXXX, 2015. XXXX XXXX XXXX did not respond to my correspondence, but instead used a debt collection agency. The initial debt collection agency was XXXX XXXX ( XXXX ). XXXX contacted me at work and after a lengthy discussion where I explained the situation, they agreed to take a reduced amount as Payment in Full. \n\nOn or about XXXX XXXX, 2015, I received a letter from a XXXX debt collection agency claiming I owed the difference of approximately {$400.00}. The XXXX collection agency is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX account number with SCS is XXXXImmediately after receiving the collection letter from SCS , I called the number listed in the letter. I told them I had a letter from the initial debt collection letter proving that I had satisfied the payment in full. I was told that I had to submit the letter as proof. The SCS representative also stated that XXXX had not contacted XXXX XXXX XXXX to let them know that I had settled the account in full with a payment XX/XX/XXXX or XXXX 2015. After reflecting on that, that statement was false because how else would XXXX XXXX XXXX know I had made a payment? \nI requested and received a letter from XXXX that proved I had paid the account as agreed representing payment in full. \n\nAbout two weeks later, SCS contacted me with a second attempt to collect the amount of the debt that had been written off. I again called SCS. The first representative transferred my call when I told her I was recording the call. The second representative was very helpful and I relayed the account of what had happened and she gave me the same email address that I has used to send the letter proving I had already settled the account in full. I promptly sent the letter from XXXX XXXX as proof. \n\nOn XXXX XXXX, 2015, I was notified that SCS had reported me as a collection notice to XXXX, which in turn negatively affected my credit score. \n\nThe result I want to achieve with this complaint is for Sunrise Credit Services to rescind the debt collection notice to XXXX and any other credit bureau or agency to which they have reported me. \n\nSecondly, I would like for your agency to investigate SCS practices to determine whether they have treated other individuals as they have treated me. \n Company chooses not to provide a public response Sunrise Credit Services Inc. TX 760XX Servicemember Consent provided Web 11/04/2015 Closed with explanation Yes No 1640003
307316 11/17/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt XXXX is reporting I haveSERIOUSLY DELINQUENT ACCOUNTS -- FALSE STATEMENT \n Company chooses not to provide a public response P.S.C., Inc WA 983XX Older American Consent provided Web 12/08/2015 Closed with explanation Yes No 1659914
307370 10/28/2015 Debt collection I do not know Disclosure verification of debt Right to dispute notice not received Am being sued. No prior notification or proof of debt \n Company believes it acted appropriately as authorized by contract or law Rodenburg LLP MT 594XX Servicemember Consent provided Web 11/09/2015 Closed with explanation Yes Yes 1628614
307753 10/28/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Collection agency in Florida continues to harass my home by calling and leaving no message although I have called them and asked to be removed from phone base and informed them person they are attempting to reach ( XXXX XXXX ) has never lived here and is unknown to me! There are numerous complaints an line regarding these creatures and nothing seems to be done regarding the problem. \n Company believes it acted appropriately as authorized by contract or law ERC SC 296XX Older American, Servicemember Consent provided Web 11/18/2015 Closed with non-monetary relief Yes No 1628750
307802 11/17/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received I terminated my lease at an apartment i lived at due to them not responding to sanitary reasons and they sent to collections with Hunter Warfield. I have sent XXXX letters of dispute to HWarfield with no response. They want me to pay the balance of the lease in full and i refuse to do so. \n Company believes the complaint is the result of a misunderstanding Hunter Warfield, Inc. CA 935XX Servicemember Consent provided Web 11/17/2015 Closed with explanation Yes No 1658438
308027 11/10/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt resulted from identity theft Debt is NOT mine. I am a victim of Fraud. Multiple accounts ( credit cards ) have been opened within a time-frame when I was not even in XXXX. After finding out about the fraud through my credit-reports I placed a Fraud-Alert, went to the XXXX Police in XXXX and got XXXX involved. After those measures and disclosing proof that this debt is NOT my responsibility - it was FRAUD, all companies have withdrawn the fraudulent accounts BUT XXXX. The attached documents, statements and proof ( i.e. police report, proof that I was not even in XXXX when the Fraud occurred, multiple witnesses stateside and in XXXX, etc. ) will explain in detail! \nI have been trying for years now for multiple collectors to get the point, IT IS FRAUD, but the account keeps being sold off. I never received anything in writing from any of them, including the original company, up until now. \n Company believes it acted appropriately as authorized by contract or law Mediation Recovery Center AL 363XX Servicemember Consent provided Web 11/13/2015 Closed with explanation Yes No 1648548
308028 11/10/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I have been receiving numerous robo phone messages from VAN RUE CREDIT CORP at XXXX for months. These repeated voice messages clog my ability to retrieve regular phone messages. I have good credit and have never been notified of any outstanding debt. They should stop immediately. \n Company chooses not to provide a public response Van Ru Credit Corporation WA 980XX Older American Consent provided Web 11/20/2015 Closed with explanation Yes No 1648551
308184 11/23/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine First of all, the debt that they are claiming that I owe them is false. They are claiming that I owe XXXX wireless money when I do n't. Long ago I did have an issue with XXXX, but we settled it out of court. On top of that I did declare bankruptcy about 5 months ago, so even if I did owe this company or XXXX any money, that was wiped out and they are illegally contacting me. In addition, when I contacted them to get this resolved they refused to resolve the situation and hung up on me. That refusal would also invalidate any debt even if it were valid, which it is n't for XXXX reasons already stated. Finally they were asking for my social security number, which they have no right to do and I am not obligated to give them. When I refused they refused to do anything except demand it and eventually hang up when I stood up for my rights. \n Company believes it acted appropriately as authorized by contract or law First National Collection Bureau, Inc. WA 982XX Servicemember Consent provided Web 11/23/2015 Closed with explanation Yes No 1668434
308194 11/23/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine " Cooper, Hoffman, Klein and Associates '' continues to harass me by calling my cell phone in attempt to collect another person 's debt. They have yelled at me, misrepresented themselves as lawyers, threatened to take me to court and refused to stop calling me after I asked them to remove my number from the account that does n't belong to me. \n Company disputes the facts presented in the complaint Cooper Hoffman Klein Associates TX 765XX Servicemember Consent provided Web 11/30/2015 Closed with explanation Yes No 1668438
308489 12/01/2015 Debt collection Other (i.e. phone, health club, etc.) Taking/threatening an illegal action Attempted to/Collected exempt funds Portland Credit Inc, also known as Fidelity Collections took exempt funds from my HSA ( Health Savings Account ) and charged a fee for doing so also. In the state of Oregon, HSA accounts are exempt accounts. I submitted a complaint regarding this and also attached my HSA statement with the complaint however XXXX ( the collector ) still refused to honor it and demanded that I go to court to have a judge determine that my funds shouldnt have been taken. I went to court on the XXXX of XXXX 2015 and it was determined that ALL funds must be returned to my HSA account including the erronious fee charged for taking the funds. I still have not received my funds back and I have given ample time for them to comply. I am still being adversely treated by this company and I need those funds to pay for my childrens medical bills. I am also losing interest on my funds not being in my account. Not only has XXXX incorrectly handled my account by not providing federal disclosures or properly verifying my identity when I called before discussing detailed debt information, she has purposely witheld my funds even after being made aware that the funds are exempt and required me to lose wages by having to go into court to show a judge what I 've already provided in my initial CFPB complaint. She has placed a Lien on my property for a debt that is below the amount of XXXX dollars which is not at all how collection agencys treat people with debts. I not only have already had my personal information shared within that company due to my XXXX, but I have been also charged fees that have nothing to do with the debt itself. This company is being extremely and overly aggressive of my debt due to the fact that I have my XXXX and more than likely providing false claims and information about me to make them attack me more aggressively than any other person they are trying to collect a debt from. \n Company believes it acted appropriately as authorized by contract or law Portland Credit Inc OR 971XX Servicemember Consent provided Web 12/01/2015 Closed with explanation Yes Yes 1676989
308573 10/22/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received Upon checking out credit reports, my husband and I found a joint collection debt saying it is on behalf of an apartment complex we lived in. The collection agency has never contacted us in any format and neither had the apartment complex. We never received our security deposit back, but never was called or mailed a bill ... or contacted by the collections company ... who appear to have added more than {$100.00} in fees to the supposed debt. \n Company believes it acted appropriately as authorized by contract or law I.Q. Data International, Inc. IN 462XX Servicemember Consent provided Web 10/29/2015 Closed with explanation Yes No 1619727
308750 11/10/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt resulted from identity theft Someone in XXXX is using my social secuirty number. I sent a questioner to XXXX XXXX XXXX and they then sent it to a collection agency, they told me to report it to my local police department and send them the file number, which I did. That collection company has now sold it to another company and I answed in a letter to them what had transpiard and that they should not contact me again!! which they have. I call and tried to explain that they had bought a bad account he responed he would see me in court!! What do I do about this harrassement? \n Company disputes the facts presented in the complaint ERC OR 972XX Older American Consent provided Web 11/10/2015 Closed with non-monetary relief Yes No 1648875
309034 10/28/2015 Debt collection I do not know Communication tactics Frequent or repeated calls i keep getting calls from premier portfolio group about a bogus debt i want these scammer to quit calling me now \n Company believes the complaint is the result of a misunderstanding Premier Portfolio Group CA 921XX Servicemember Consent provided Web 10/28/2015 Closed with explanation Yes No 1629705
309089 11/04/2015 Debt collection Credit card Disclosure verification of debt Not given enough info to verify debt XXXX XXXX and assigned lawyers suing for debt that is past it 's statute of limitations in the state of Alabama. Statute of Limitations passed as of XXXX XXXX, 2015. They filed to get a judgement on XXXX XXXX, 2015. \n Company chooses not to provide a public response McCullough Payne & Haan, LLC AL 350XX Older American Consent provided Web 11/04/2015 Closed with explanation Yes Yes 1639359
309140 10/28/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I have had repetitive phone calls ( a recorded message ) telling me that this is a debt collector and to call XXXX and give them this # : XXXX. I typically hang up but have grown tired of the calls so I called the number. There were XXXX recorded options : Press XXXX to pay the debt, Press XXXX for a 'settled in full ' letter, Press XXXX for wrong #, Press XXXX to speak to an agent. I pressed XXXX and asked the agent ( with an XXXX accent ) why I was being called as I have NO debt. He said he would check my info and shortly we were cut off. The company says it is XXXX. \n Company believes it acted appropriately as authorized by contract or law ERC NC 288XX Older American, Servicemember Consent provided Web 11/02/2015 Closed with non-monetary relief Yes No 1629406
309435 12/08/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt resulted from identity theft The agency continue to report I owe XXXX for cosigning on a loan. I never cosigned for anyone and the agency continues to file false information. I have not signed anything to cosign for anyone. \n Company believes it acted appropriately as authorized by contract or law Monterey Financial Services, Inc. NJ 073XX Servicemember Consent provided Web 12/08/2015 Closed with explanation Yes No 1687137
309564 12/08/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine The agency continues to attempt to collect a debt that is not mines. I have not cosigned for any loan and had a fraud alert on my credit for the past two years. \n Company believes it acted appropriately as authorized by contract or law Monterey Financial Services, Inc. NJ 073XX Servicemember Consent provided Web 12/08/2015 Closed with explanation Yes Yes 1687139
309581 10/22/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I am on a donotcall registry and I have no debt and have great credit and I owe nobody. This is a voice generated message asking me to call them back to settle a debt, however they never ask for anyone specifically nor do they give their name or mention the debt owed. Their number is XXXX and the name " Receivablesperf '' comes up. \n Company chooses not to provide a public response Receivables Performance Management LLC AZ 857XX Older American Consent provided Web 10/29/2015 Closed with explanation Yes No 1620105
309620 12/08/2015 Debt collection I do not know False statements or representation Attempted to collect wrong amount We received a letter from Select Portfolio Servicing , Inc. dated XXXX XXXX, 2015 which is an invitation to a Free Homeownership Preservation Event at XXXX in XXXX, NY. We will not be attending the event. We are not a customer of Select Portfolio Servicing and deny any contractual or other relationship with your organization. \n\nAs SPS knows or should know, we have written previously informing SPS that there is no delinquency. We have disputed the debt -- as well as the authority of SPS to act in any capacity in regard to the alleged account number they reference. \n\nWe have disputed this debt ; therefore, until affirmatively validated, SPS knows or should know their information concerning this alleged debt is inaccurate. Thus, since they have already reported this debt to any credit-reporting agency ( CRA ) or Credit Bureau ( CB ) then, they must immediately inform them of our dispute with this debt. We have received a copy of such report from Experian where SPS still lists the debt as a mortgage debt. Reporting information that SPS knows to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act1681s-2. \nSPS continues to persist in pursuing collection efforts without validating this debt, we are herewith informing SPS of another complaint that will be filed with the Consumer Financial Protection Bureau based on their failure to comply with the FDCPA, Section 809. \n\nSPS has admitted that it is not the servicer of this account or any account in connection with us ; that it is only attempting to collect an alleged debt based on " servicing rights '' ; that SPS has made contractual arrangements with other parties for their own profit ; that SPS has harassed us and continues to harass us ; that SPS has not proved and is unable to prove that we owe any debt. \n Company believes it acted appropriately as authorized by contract or law Select Portfolio Servicing, Inc NY 105XX Older American Consent provided Web 12/08/2015 Closed with explanation Yes Yes 1688910
309835 10/28/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine I a bill in XXXX 2015 from XXXX XXXX XXXX about the " professional component '' of my emergency room visit to XXXX XXXX XXXX for the amount of {$620.00}. I called my insurance company ( XXXX XXXX ) and they said that it is covered by their XXXX XXXX and that I should not have received a bill. They sent XXXX a " Balance Bill Letter. " Later, on XXXX XXXX ( Dated XXXX XXXX 2015 ), I received a courtesy notification from Client Services Incorporated for the same bill that it will be going to collections in 30 days if I do not dispute it. I want to dispute it, but I do not know where to send the letter since there are XXXX addresses on the bill and do not specify where to send the letter of dispute. I am afraid to call them again because when I did they were very abrupt and kept changing the subject and asked me for my personal information like what is my previous address. They also said that it will go to collections on XXXX XXXX since they received it on XXXX XXXX. How do I keep this off of my credit report? I am willing to pay it if I know I will be reimbursed later but it is unclear if it 's XXXX XXXX 's or XXXX 's responsibility. \n Company believes it acted appropriately as authorized by contract or law Client Services, Inc. FL 330XX Servicemember Consent provided Web 10/28/2015 Closed with explanation Yes No 1629724
309897 10/22/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine constant calling and threatingin \n Company chooses not to provide a public response United Collection Bureau, Inc. NJ 086XX Older American Consent provided Web 11/24/2015 Closed with explanation Yes No 1619433
309996 12/01/2015 Debt collection Payday loan Cont'd attempts collect debt not owed Debt was paid I have repeatedly received phone calls on a loan I already paid off YEARS ago. The same harassing phone calls from different companies every few months. I ca n't get them to stop either changing their company name or selling a false debt to someone else. PLEASE help. \n Company believes it acted appropriately as authorized by contract or law Citi Management Group, LLC TX 770XX Servicemember Consent provided Web 12/01/2015 Closed with explanation Yes No 1678812
310085 11/24/2015 Debt collection Credit card Improper contact or sharing of info Talked to a third party about my debt M & S Recovery Solutions, LLC contacted my mother on a past debt that I was not aware of on XXXX/XXXX/2015. They left a message for her to call them back. When she called they told her that they were going to file a XXXX on her with the IRS on a Credit Card purchase of mine at XXXX XXXX XXXX and told her to have me call them immediately to prevent this action. She was never involved with either the obtaining of a credit card for me or any purchase I made at XXXX XXXX XXXX and they are threatening her and giving her information on my account with them. \n Company believes complaint represents an opportunity for improvement to better serve consumers M&S Recovery Solutions GA 306XX Servicemember Consent provided Web 12/01/2015 Closed with explanation Yes No 1670004
310117 11/17/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Used obscene/profane/abusive language I have been contacted by this number on several occasions regarding an XXXX XXXX XXXX bill that I owe. While I know the debt is legitimate and have all intentions of paying it off as soon as I can, I do n't think the caller should have the right to talk to someone so rude and disrespectful like they have been to me. When they call they ask for me by name and want to verify my address, I will ask them for their company name and they will not disclose it. The next time they called they did but did not state who they were or anything. When I asked who I was talking to and what company they were with, the lady got extremely rude with me and very argumentative. The person I talked with was XXXX XXXX. They talk very vague and almost come across as a scam. I will NOT be paying my debt thru them but I will pay it thru XXXX XXXX XXXX which is the original party to whom I am responsible for paying. Their debt collectors [ the rude company ] need to learn to show respect to their callers versus being rude and ugly to them. \n Company chooses not to provide a public response Gatestone & Co. International Inc. GA 300XX Servicemember Consent provided Web 12/04/2015 Closed with non-monetary relief Yes No 1659349
310193 11/17/2015 Debt collection I do not know Communication tactics Frequent or repeated calls They have my personal cellphone which they call repeatedly. However they called me at work and went through my dispatch system which is unacceptable. My personal issues are my own and they have no right contacting me at my job to purse any type of collection. \n Company believes it acted appropriately as authorized by contract or law Midwest Fidelity Services, LLC FL 335XX Servicemember Consent provided Web 11/17/2015 Closed with explanation Yes No 1659411
310199 12/02/2015 Debt collection I do not know Communication tactics Frequent or repeated calls I am receiving robocalls from Maury Cobb Debt Collection via a XXXX ( XXXX VA ) number directing me to their toll free number. \nI am receiving credit reports as a result of the OPM breach and have had other credit reporting due to agency and military breaches. \nI consider these phishing expeditions and have seen reports on harassment sites reporting this group as engaging in these tactics. \nIs there anything that can be done to stop this predatory practice? \n Company believes it acted appropriately as authorized by contract or law Maury Cobb, Attorney at Law, LLC VA 221XX Servicemember Consent provided Web 12/02/2015 Closed with explanation Yes No 1679104
310356 12/02/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine My friend of 21 years passed XXXX/XXXX/15. I sent all creditors a copy of her death certificate and a letter explaining there was no estate nor spouse. I have continued to receive letters from XXXX XXXX. They have now referred the account to collections and have taken my address off the death certificate to send bills to my friend. I am sure if you have to bury one of your friends you do not want a creditor to take your address off the death certificate and continually send collection notices. I even have written on the envelop of the XXXX bill DECEASED. but they are relentless. please help me! \n Company believes complaint is the result of an isolated error McCarthy, Burgess & Wolff, Inc. CA 958XX Servicemember Consent provided Web 12/02/2015 Closed with explanation Yes No 1679217
310546 12/09/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine In XXXX I cancelled my cable service with XXXX XXXX and followed their instructions to disconnect the service and return all the equipment. I verified with the clerk that took the equipment that there was nothing more that I had to do. A week later I received a letter from XXXX XXXX acknowledging the disconnect but that I had to return the equipment. I called and verified with the customer service representative that they show that I returned all equipment. One week later I receive a bill from XXXX XXXX for the next month 's service. I called again and was told that someone cancelled my disconnect order. I assured them that it was not me and that I no longer had their service in my home. I was told I would still have to pay the bill since I had access to the cable and I had not properly ordered the disconnection. I had the letter from XXXX XXXX acknowledging the disconnection effective XXXX/XXXX/XXXX and said I was not going to pay the bill. The agent then told me I still owed for the equipment. I gave her the receipt number for the equipment. I am then told by the agent that I still had to pay a fee because of early termination of a locked in rate! I asked for a signed contract showing that I had contracted for this supposed locked in rate, but never received anything. The next thing I get is a collection notice. I send the collection agency, my letter, the receipts and the letter from XXXX XXXX. I received a response back that no further action was required and I did not owe the money. This was early in XXXX. On XXXX XXXX, XXXX, I received another notice from a collection agency that I still owe the {$45.00} from XXXX! I called immediately and the agent told me that I had to pay this money. I explained that this was resolved in XXXX and told them to have XXXX XXXX research their records. I was told I had to send them the documentation from XXXX. I no longer have this documentation. I am sure that I shredded it earlier this year since it was resolved and I had no reason to believe that I would hear from them again. The agent told me that I still had to pay the money. I told her to go after legitimate debts and stop harassing me about this unjustified charge. \n Company believes it acted appropriately as authorized by contract or law The CMI Group, Inc. OH 441XX Older American Consent provided Web 12/09/2015 Closed with non-monetary relief Yes No 1689188
310646 12/02/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid XXXX XXXX XXXX keeps trying to charge me for a month of service after I canceled my service on XXXX XXXX 2015. I returned my rented modem in the store and was told that my account was settled up, my auto payment was cancelled and that I would be billed for approximately {$28.00} on or about the XXXX XXXX 2015. On XXXX XXXX 2015 I was charged for the entire amount of $ XXXXXXXXI called on or about the XXXX of XXXX and asked why I was charged the full amount. XXXX informed me that this was an error and that I would be receiving a check for {$42.00} in the mail. On XXXX XXXX 2015 I was charged an additional {$71.00}. A few days later when I called XXXX I spoke to a few different representatives. First representative told me it was for my XXXX services since XXXX always bills a month in advance. Their website confirms this XXXX. The second representative told me that my services were still online because I did not turn in my modem, I informed them that I had and they said " oh yeah it looks like you have. '' I asked to speak with the next level manager who then told me at first that it was for my XXXX services. I informed them that I had canceled on the XXXX of XXXX and they then switched their story to " right you need to pay for the entire month of XXXX '' when I asked why it was n't Pro-rated they told me you pay after the services are consumed not before, a direct contradiction to my bill, their website, and the previous representatives. I was told their manager would call me back they never did. After a few more days I filed a dispute with XXXX XXXX. XXXX XXXX investigated the dispute and determined that the bill was not in fact mine. After XXXX lost the dispute I got a bill in the mail for my cable service for the month of XXXX and they have submitted the entire amount to a debt collection company. I am paid up and keep getting different stories from their representatives on the phone. \n Company believes it acted appropriately as authorized by contract or law The CMI Group, Inc. VA 201XX Servicemember Consent provided Web 12/07/2015 Closed with explanation Yes No 1679602
310772 12/09/2015 Debt collection I do not know Communication tactics Threatened to take legal action called my daughter telling her that she will be sued if I, her father, do not contact him and pay a debt. he also said that the debt was settled in the past but he was still trying to collect. I never received a call from the company \n Company believes it acted appropriately as authorized by contract or law Integrity Asset Partners, Ltd. NJ 086XX Older American Consent provided Web 12/09/2015 Closed with explanation Yes No 1689037
311154 10/29/2015 Debt collection Credit card False statements or representation Indicated shouldn't respond to lawsuit I live in XXXX but previously I was taking care of my Dad who passed away XX/XX/XXXX While taking care of him a debt collection and attorney in XXXX got a garnishment against my wages for a debt that was in XX/XX/XXXX. I was in major car accident and therefore on XXXX. I tried to resolve some debts but lost my home and job due to accident in XX/XX/XXXX. The attorney knows all this but somehow in a state I am not in was able to get the debt legalized and now is coming after me. I am XXXX and my husband is XXXX. I do not live with my husband as we are separated ( not legally ). I was never served court documents and I found out the attorney got the state to sign for my court documents. Why isnt this stuff done here in the state I am in is this legal?? They now have a hold of my bank account ( total is XXXX dollars ) and my lock box which holds personal items what can I do to stop what is happening. \n Company believes it acted appropriately as authorized by contract or law SUPERIOR DEBT RECOVERY LLC RI 028XX Servicemember Consent provided Web 10/29/2015 Closed with explanation Yes No 1631121
311307 12/02/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt was paid The dispute is with XXXX XXXX XXXX XXXX. I cancelled service with them in 2013 ; the account was paid in full at the time of cancellation. The XXXX technician came to my home, disconnected service and retrieved the equipment. Since then I have been harassed by them with collection calls and have had my non-existent account sent to XXXX collection agencies. I have copies of the communication which I will attach. In a nutshell, I am still being pursued by various collection agencies for this debt. \n Company believes it acted appropriately as authorized by contract or law ERC CA 945XX Servicemember Consent provided Web 12/03/2015 Closed with non-monetary relief Yes No 1680009
311552 11/11/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine My husband is in the military and I am a spouse that has followed my husband XXXX for the last 10 years. I have sent proof that this account is not mine since I was living XXXX during that period of time but they ignored the letter. This account although was not mine I still payed it because it was hurting my credit. I never received a notice just until XXXX of this past year and I went online and payed for the account. The person used my hotmail account to open this account. I have sent copies of documents and even an affidavit from the XXXX we are posted on and still there is no resolution. I do not know what else to do solve this problem since I still live XXXX with my spouse serving our country. This has been an ongoing issue since 2012. \n Company believes it acted appropriately as authorized by contract or law First National Collection Bureau, Inc. VA 201XX Servicemember Consent provided Web 12/11/2015 Closed with explanation Yes No 1650483
311605 11/18/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine called left message even though I answered. Stated it was a debt collection and I must call them back. No one at our number has any unpaid debts! \n Company can't verify or dispute the facts in the complaint Focus Holding Company IL 600XX Older American, Servicemember Consent provided Web 12/11/2015 Closed with explanation Yes No 1660543
311671 11/04/2015 Debt collection Federal student loan Cont'd attempts collect debt not owed Debt was discharged in bankruptcy Illegal and Improper contact from third party debt collector. \n Company believes it acted appropriately as authorized by contract or law Account Control Technology, Inc. DE 197XX Servicemember Consent provided Web 11/04/2015 Closed with non-monetary relief Yes Yes 1642277
311690 11/11/2015 Debt collection I do not know Communication tactics Frequent or repeated calls Almost daily automated calls leaving messages they call " courtesy '' call about a debt that I do not owe as it is not and never was mine. I have no overdue bills, no cosigner obligations, nothing of the sort. The automated calls state " This message is being left for '' [ what sounds like ] XXXX The message states that this is a final call before action is taken, mentions attorneys and a case number. The number on caller ID is XXXX and shows XXXX XXXX, TX as the originator. I called the number and asked who they are and why they are calling me and the person hung up on me when I pressed them. This has been going on for months, though not quite as frequently as it has of late. \n Company disputes the facts presented in the complaint Cooper Hoffman Klein Associates KY 410XX Servicemember Consent provided Web 11/11/2015 Closed with explanation Yes Yes 1650534
311695 11/18/2015 Debt collection Credit card Improper contact or sharing of info Contacted employer after asked not to A company called XXXX at XXXX called my employer and relative stating that I had to call within an hour and referance # XXXX because I was being served a summons. I called the number and when They told me that I had an outstanding balance, I asked them to validate the debt, and they could not. They continue to call my employer AFTER I asked them not to. They do not contact me directly. They keep calling my employer and relatives. \n Company believes complaint represents an opportunity for improvement to better serve consumers Coastline Financial Resources, LLC IL 622XX Servicemember Consent provided Web 11/20/2015 Closed with explanation Yes No 1660566
311707 12/02/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I received a letter from Performant Recovery Inc. stating they were a private collection firm contracted by the U.S. Department of the Treasury, XXXX XXXX XXXX to collect a delinquent balance owed to Dept of Health Human Services for {$1300.00}. \n\nI have received no prior communication from any government agency that I owed this money and after several requests for details from this company no information is provided. \n Company chooses not to provide a public response Performant Financial Corporation IN 467XX Older American Consent provided Web 12/07/2015 Closed with non-monetary relief Yes No 1680178
312209 11/11/2015 Debt collection Other (i.e. phone, health club, etc.) Taking/threatening an illegal action Threatened to sue on too old debt I got a letter in the mail today then 5 minutes later called the sender XXXX. XXXX. The letter was signed by XXXX XXXX, XXXX XXXX. I spoke with XXXX XXXX. She said I wrote a bad check to Wells Fargo sometime in 2008 in the amount of {$1000.00} and I now owe XXXX. XXXX {$2700.00} because they were retained by Wells Fargo. She also stated that I performed malicious intent to fraud a banking institution. I use to have a bank account with Wells Fargo, but they never paid a bad check and that account was closed in 2008. I got a similar call about 4 years ago and contacted Wells Fargo, who stated that they have no record of me owing any debt to them. I have never received any correspondence or calls from Wells Fargo regarding me owing them any money, which is what I told XXXX XXXX. I see that this company has in the past used a different number and other complaints with almost the same scenario as mine. I have no record on my credit report showing an outstanding debt with Wells Fargo. The letter and XXXX XXXX stated that further legal action will be taken if I did n't not settle this debt. I told them I would seek legal representation if I needed. Why should I have to pay money for an attorney on something I know I do n't owe. \n Company chooses not to provide a public response Wells Fargo & Company TX 786XX Servicemember Consent provided Web 11/11/2015 Closed with explanation Yes Yes 1650731
312252 10/29/2015 Debt collection Non-federal student loan False statements or representation Attempted to collect wrong amount I currently have a defaulted PRIVATE student loan that originated with XXXX XXXX XXXX. The loan was generated around 2003. After completing XXXX semester of school, I decided to join the military in support of XX/XX/XXXX. I am now medically retired and am XXXX. I am in the process of trying to purchase a home. After meeting with the mortgage company, it was brought to my attention that this debt is preventing me from an approval for a VA loan to purchase a home. The defaulted loan is reporting to only ONE credit reorting agency. I was also informed that the loan has since been sold to XXXX ( whom this complaint is being filed against ) but is being serviced by Allied Interstate. I contacted Allied Interstate to set up a payment plan and was told that they could not accept the terms I brought forward to them and would be unwiling to work with me. \n Company chooses not to provide a public response Allied Interstate LLC TX 782XX Servicemember Consent provided Web 10/29/2015 Closed with non-monetary relief Yes No 1631941
312272 12/09/2015 Debt collection Non-federal student loan Cont'd attempts collect debt not owed Debt was discharged in bankruptcy I received a phone call in XXXX stating that I owe an outstanding balance for the XXXX. I informed the rep at that time, that I should not be receiving a call from them as I am paying my balance via online through my student account-so I disputed the validity of this debt. Then, I was informed they were collecting for the XXXX as well-after I made this statement. I disputed any debt with them. Informed the rep the account was resolved, paid off and have a letter from the XXXX XXXX XXXX in Texas and Trustee-would forward upon receiving verification of debt. Also told her that the XXXX account has been settled over 4 years now.To this date, I have not received anything. What they did was wait and call back, XXXX XXXX, 2015, and state that I owe {$9000.00} plus in debt to the XXXX. The guy rep stated that I owed this amount 'solely ' to the XXXX . I informed him that I had just pulled up my student account for the university and it shows a balance of {$1600.00} of which I am making payments ( XXXX fabrication ) ; I also informed him that I have not received any verification that I owe this debt and moreover that I told them in XXXX send proof. Additionally, I told him I was on a full academic scholarship for the XXXX and it was simply impossible for me to owe them this amount of funds, considering they paid me to attend graduate school. I asked him at this point to tell me how many accounts is he looking at, or maybe he needed to verify with the XXXX.This is when he informed me that I actually have XXXX accounts with them. I stated how? He then proceeded to state that they are collecting for the XXXX & the XXXX. I told him again, " No ... I have disputed both these accounts and to this date, have not received any information from them regarding either debt ( XXXX fabrication-as he stated they have mailed out something. ) He stated he was reading notes that I was suppose to send this information in, so he agreed from his own statements that I disputed this validity back in XXXX. I then stated if I had an address or if they would have sent verification they would have it. They have not. I also told him this company could not try and join these alleged debts together as the XXXX and the XXXX are XXXX separate entities and XXXX has nothing to do with the other. His response was they could because the alleged debts fall under the same social security number. I became livid and told him his statement was redundant and incorrect, moreover a lie and they were trying to mislead me into thinking I only owed the XXXX but they are trying to collect both debts ( of which I do not owe ) on a single account and lying about it. They can not try and collect these XXXX together and if this matter appeared on my credit report I would be filing suit against this company. This company has did nothing but regurgitate false statements and representation in this matter to me for the XXXX time. Additionally, they have not provided disclosure of verification of the debts. I asked over 3 months ago to receive and have not, I also informed him that I wanted this information mailed to me as to have proof and a paper trail. He stated they only need a number and name of attorney. Why would they not want the proof in hard form? I asked him over XXXX times within the conversation to provide this documentation to me. His only response was if I could provide my attorneys name and that I did not need to mail anything. I told him, No I will to have proof on my end and to ensure they could not fabricate another issue. I also told him under FCRA rules what they are attempting to do is illegal and I would be sending a letter to the company and submitting a complaint to the proper authorities regarding their actions. \n Company believes it acted appropriately as authorized by contract or law National Collection Systems, Inc. AR 727XX Servicemember Consent provided Web 12/14/2015 Closed with explanation Yes No 1689748
312318 11/11/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I DO N'T KNOW ABOUT THIS DEBT. \n Company believes it acted appropriately as authorized by contract or law ERC TX 782XX Older American Consent provided Web 11/25/2015 Closed with non-monetary relief Yes No 1650306
312337 11/04/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt resulted from identity theft My wallet was stolen while at the airport XX/XX/XXXX. My credit cards, checks, drivers license, state and Military ID, debit card and social security card was taken. All items were reported stolen and the necessary agency 's were contacted. XX/XX/XXXX I was reviewing my credit report online and found accounts that were open in my name, inquiries and charged off accounts. I contacted the Credit bureaus and had a freeze put on my account and started contacting the creditors. I filed a police report and contacted the Federal Trade commission. I completed an Identity theft affidavit for the accounts and inquiries that were on my report. I sent to each credit bureau a copy of the police report and the affadavit from the FTC disputing the accounts that I had no knowledge of and did not authorize. I have been disputing inquires and accounts for 2 years. RS Clark and Associates was faxed and sent in the mail a copy of the police report. I spoke with XXXX XXXX at RS XXXX and Associates who stated she was the manager and to fax the police report to her attention and it would be removed it was sent XX/XX/XXXX ( see fax confirmation that it was sent and received at their fax number XXXX ) and it still has not been removed from XXXX. XXXX is still reporting this on my credit report stating this company is not accepting my police report and is validating using my current address and not the address of the debt. I have sent proof that I did not live at this apartment complex that was rented in my name by providing my license and proof of residence from the electric company several times. I have lived at XXXX different addresses since this was disputed and this company is fraudulently validating each time using whatever my current address is. \n Company believes it acted appropriately as authorized by contract or law RS Clark and Associates, Inc. TX 750XX Servicemember Consent provided Web 11/04/2015 Closed with explanation Yes No 1639528
312371 11/04/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Repeated daily calls attempting to collect a debt owed by a person with the middle name XXXX with the same first and last name but is unknown and unrelated. Calls are by a computer robo call and only leave a computer message. The calls have been going on for months and could be a scam. \n\nI have also reported them to the attorney general of Illinois. \nNo one needs my SSN. \n Company chooses not to provide a public response Van Ru Credit Corporation IL 605XX Older American Consent provided Web 12/04/2015 Closed with non-monetary relief Yes No 1639196
312561 11/12/2015 Debt collection Medical Disclosure verification of debt Not given enough info to verify debt I received a letter from a collection agency regarding a medical debt. I sent a letter asking for information on the debt since I had no knowledge. I also asked nothing be reported to credit report until we could verify the debt. I have yet to received ANYTHING from them and it has since been reported to my credit report. I also sent a secured email to them through their website. They stated they could not tell me anything over the SECURE email even though I verified my information through it! They stated they could call me and I advised them they could send me a letter. I have also never received anything from that communication. I feel it is wrong to report something negative to my credit report without allowing me to verify and/or pay the debt once provided with the information. \n Company chooses not to provide a public response Revenue Recovery Corporation TN 371XX Servicemember Consent provided Web 11/12/2015 Closed with explanation Yes Yes 1651167
312676 12/09/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I have been put into collections for a tax bill that I paid on XXXX XXXX, XXXX for a XXXX MD tax bill. I have sent a dispute letter with proof of payment and have received another demand letter. \n Company chooses not to provide a public response Penn Credit Corporation VA 229XX Servicemember Consent provided Web 12/09/2015 Closed with explanation Yes No 1689821
312852 11/05/2015 Debt collection Mortgage Cont'd attempts collect debt not owed Debt was discharged in bankruptcy XXXX XXXX purchased discharged mortgage from bank of america and now activated the loan and has destroyed my credit. this loan was chapter XXXX discharged on XXXX/XXXX/2011. \n Company chooses not to provide a public response Bank of America NC 284XX Servicemember Consent provided Web 11/05/2015 Closed with explanation Yes Yes 1640891
312881 12/09/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I am receiving numerous calls from Van Ru Credit Corporation ( XXXX ) about a delinquent debt that I do not have. \n Company chooses not to provide a public response Van Ru Credit Corporation VA 221XX Servicemember Consent provided Web 12/09/2015 Closed with explanation Yes No 1689846
312935 11/12/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I am being called as many as XXXX ( XXXX ) times a day from the number XXXX. They are attempting to collect a debt owed by " XXXX, XXXX '' who is not associated with me or my telephone number. This is related to my previous complaint with you, numbered XXXX, which you were unable to resolve as you could not identify the " creditor. '' They do n't identify themselves, and they provide inaccurate legal information ( I am an attorney ), such as " if we have to serve you, you will forfeit all your defenses - which is simply not true. That leads me to believe this is a fraudulent enterprise behind this. \n Company chooses not to provide a public response Allied Interstate LLC FL 331XX Servicemember Consent provided Web 12/07/2015 Closed with non-monetary relief Yes No 1652895
313152 12/03/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt resulted from identity theft A collection agency is making false reports to XXXX andXXXX claiming that I have not paid a bill. Enhanced Recovery Corp ( XXXX ) claims that I owe XXXX XXXX {$110.00}. \nI have never had an account with XXXX XXXX. I contacted them and they have no record of me being a customer. \nEnhanced Recovery Corp. has never sent me a bill. They contacted me by phone on XXXX/XXXX/2015 and I told them I had no knowledge of this bill. They reported me to the collection agencieson XXXX/XXXX/2015. \n Company believes it acted appropriately as authorized by contract or law ERC MA 014XX Older American Consent provided Web 12/03/2015 Closed with non-monetary relief Yes Yes 1681389
313275 11/12/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Received a collection letter on XXXX XXXX, 2015 for a delinquent account for XXXX XXXX Membership. My identity and debit card was stolen earlier this year. I was not aware that the person signed up for membership with XXXX XXXX nor have I ever enrolled for membership with XXXX XXXX. This collection company is threatening to put this information on my credit reports and attempting to collect {$210.00} for an account I never authorized. \n Company believes it acted appropriately as authorized by contract or law Aargon Agency, Inc. GA 319XX Servicemember Consent provided Web 11/12/2015 Closed Yes Yes 1652823
313430 11/25/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received A past due balance with my vacation company was submitted to Pinnacle Recovery after 30+ days of non-payment. I never received any written notice of what was owed and I was never given the opportunity to dispute their claim. The individual assigned to my " case '' was not helpful. I tried to work with a supervisor and was rebuffed. They will not verify the actual amount owed and will only take care of business over the phone. I am attempting to pay the debt in installments, but they will not allow that. \n Company believes it acted appropriately as authorized by contract or law Pinnacle Recovery, Inc. CA 932XX Servicemember Consent provided Web 11/25/2015 Closed with explanation Yes No 1671521
313557 11/25/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received Southwest Collection Systems, XXXX XXXX XXXX, XXXX XXXX, TX XXXX, filed a collection notice with XXXX credit reporting agency in XXXX XXXX without any communication nor validation of the debt. The debt was originally satisfied in XXXX with XXXX through the return of equipment - which was validated by XXXX when they attempted to have me switch back to their service in XXXX XXXX. Southwest has not called nor provided any information regarding the alleged debt and can not be reached by the numbers provided to XXXX. A review of consumer complaints shows a pattern of aggressive tactics by this company. \n Company disputes the facts presented in the complaint Southwest Credit Systems, L.P. MD 207XX Servicemember Consent provided Web 11/25/2015 Closed No No 1671275
313581 11/25/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid Got a collections notice from a company saying I owe money. I sent them a letter stating that " Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts:1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. proof that you are licensed to collect debts in Connecticut ; 4. proof of the last payment made on the account. '' The company responded with a letter stating " we have notified the client of your dispute and they have verified the information on this account to be true and accurate ''. There was no proof, nothing in writing, no proof of payments. Are they allowed to show this as proof ... saying that they contacted the client and they agree that it is legit? How is that possible? \nI had many problems with XXXX XXXX and my billing issue, including sending the bill to the wrong address. XXXX claimed they fixed the issue, but after 6 months I decided that I would call and complain weekly until the fixed it. They ended up waiving my bill because this issue was going on for about 9 months. The last person that I spoke to said they would waive my bill, but I told them to cancel my service instead. I think this was XXXX XXXX 's way of getting back at me for cancelling my service with them. I was told this bill would get waived. I 'm sure they have that recorded somewhere in their file. \n Company disputes the facts presented in the complaint The CMI Group, Inc. OH 449XX Servicemember Consent provided Web 11/25/2015 Closed with non-monetary relief Yes No 1672696
313875 12/10/2015 Debt collection Payday loan Taking/threatening an illegal action Threatened arrest/jail if do not pay Advance America contracted a company to collect this debt. The company called my wife 's phone 5 times in a row, and then called my employer repeatedly as well. My wife called back, and she was told they would be arresting me. My wife was anxious and in tears. I called back and spoke with XXXX. XXXX was verbally abusive, and swore at me. I mentioned his tactics being a violation to FDCPA and that I would file a complaint with CFPB. XXXX said to shove the FDCPA up my XXXX, and he 'll file it for me. He called from XXXX, and told me to go to Advance America and pay now, or my XXXX was going to jail. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Advance America, Cash Advance Centers, Inc. TX 752XX Servicemember Consent provided Web 12/10/2015 Closed with explanation Yes No 1690922
314030 11/05/2015 Debt collection Medical Disclosure verification of debt Not disclosed as an attempt to collect Used XXXX Services XXXX, live XXXX. I have XXXX XXXX insurance. Used XXXX for Emergency. XXXX XXXX mailed billing information to an old address not used. I provided at time of service my current address. Collection agency said they could not collect from XXXX residence as they are not licensed XXXX. Paid the bill, and have repeatedly asked for the the entire file showing mailing dates with responses so I can recoup my {$460.00} from XXXX for the service. No Response from King Credit, XXXX. Frustrated with their lack of concern. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Kings Credit Services HI 967XX Older American Consent provided Web 11/05/2015 Closed with explanation Yes No 1641376
314062 11/18/2015 Debt collection Medical Disclosure verification of debt Not given enough info to verify debt I mailed GLA a letter on XX/XX/2015 asking them to remove the comment " customer disputes this item '' I can not proceed with a mortgage with these XXXX collects saying this. On XX/XX/2015 a GLA person contacted me about paying the XXXX collections. \n\nI told her that I might have paid these collections through the XXXX dept XXXX. XXXX hospital sends my unpaid bills there most of the time. \n\nI have had XXXX about 10 years ago. I have to have bi-annual XXXX with them. Sometimes I just ca n't paythe amount I owe right away. \n\nI spoke to GLA today, XXXX about paying the XXXX collections and a lady tells me there are XXXX more collections I owe. That are being reported on my credit that I am not seeing? \n\nIs she kidding me? GLA never mentioned these XXXX other collections before? Is this a collection scam? She never offered my any proof of the bills/collections. Just said I had to pay them along with the XXXX I am aware of. \n\nSo this is what they call scamming the elderly. \n Company believes it acted appropriately as authorized by contract or law GLA Collection Company, Inc. KY 407XX Older American Consent provided Web 11/18/2015 Closed with explanation Yes Yes 1662449
314168 12/03/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine To whom it may concernMy name is XXXX XXXX XXXX, Address XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX. XXXX. XXXX XXXX XXXX XXXX has been my permanent address since XXXX. During the time between XXXX and today I have never lived anywhere else except for two years XXXX military XXXX, XXXX. I left XXXX, XXXX in XXXX. \nThe purpose of this communication is to contest this a delinquent/collection account, negative credit report, and the {$620.00} that Credit Management LP/ XXXX alleges that I owe to XXXX XXXX. For the records, I have not received at my address any bills or statements from XXXX or Credit Management LP. I found this info via Credit Report Monitoring. Currently I do not have a XXXX or XXXX account or any XXXX services in my home. I visited the local XXXX office in XXXX, XXXX to ensure that they had not inadvertently bill me. They had no record of me owing XXXX in XXXX. I believe this is a case of mistaken identity. \nThis is the second time that XXXX has billed me and collection agencies have placed negative information on my credit report. I unsuccessful contested the previous billing. Having no recourse, I paid the {$310.00} that XXXX alleged that owed. The alleged bill was from an old address in XXXX, XXXX where I lived in XXXX. Once again, I have never lived in XXXX since XXXX. XXXX did not exit in XXXX. \nI spoke with a person from Credit Management LP regarding the delinquent account. I explained the situation. She asked me for my SSAN. I gave it to her, she said that the billing had a different SSAN and was probably a case of mistaken identity. She asked me to send proof of my SSAN and my address for XXXX. I am doing so.. \nThe local XXXX office suggested I file a Police report and send it to XXXX. The police report # is XXXX, filed with the XXXX, XXXX Police Department. I am requesting XXXX remove me from the XXXX, XXXX address so this mistake does n't happen again. \nFinally, I have no problem meeting my financial obligations and paying my bills. If I fact owe XXXX money I will pay upon receiving a statement that proves that I owe them. However, I do n't intend to continually pay accounts that I did not create. \nI can be reached by email : XXXXXXXXXXXX or phone : XXXX XXXX if more information is required. \nXXXX XXXX \n Company believes it acted appropriately as authorized by contract or law The CMI Group, Inc. NM 871XX Older American, Servicemember Consent provided Web 12/03/2015 Closed with non-monetary relief Yes No 1681848
314493 12/17/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine XXXX is charging me for services rendered for XX/XX/2014, however, as my lease shows ( attached ) I did not even move into the house until XX/XX/2014, further more, I was in XXXX until XX/XX/XXXX, and my service was not activated here in XXXX until appx XX/XX/2014. \n\nThe account has been turned over to Enhanced Recovery Company, and after numerous attempts, I am getting no where with having this information removed from my credit report. I do not owe this debt. \n Company believes it acted appropriately as authorized by contract or law ERC MD 218XX Servicemember Consent provided Web 12/17/2015 Closed with non-monetary relief Yes No 1704071
314502 11/25/2015 Debt collection I do not know Improper contact or sharing of info Contacted me after I asked not to I have been receiving collection calls from Ally Financial after I explained to them I am not the party they are seeking please remove my number and do not call my cell. I have received XXXX more calls this week from XXXX harassing me, these calls were made on XXXX and XXXX to my cellXXXX. I understand they are currently in violation of the FDCPA prohibiting calls to my cell after I have told them numerous times not to contact me I am not the correct party. I will also send this complaint to the CEO of the company \n Company chooses not to provide a public response Ally Financial Inc. GA 300XX Servicemember Consent provided Web 11/25/2015 Closed with non-monetary relief Yes No 1672046
314595 11/25/2015 Debt collection I do not know Taking/threatening an illegal action Threatened arrest/jail if do not pay This call was from the same number that I reported on XXXX/XXXX/15, reference # XXXX. They say I have to call them immediately because I am in trouble because a complaint has been filed against me. They will not identify themselves properly & I have received no such notices in the mail according to Fair Debt Collection Practices Act. They are leaving a different number to call this time ( XXXX ) XXXX XXXX XXXX. But, their caller ID is the same as before ( XXXX ) XXXX XXXX & when I called that number it eventually picked up on a voice mail saying it was STP Management Group. Other complaints against them on the internet. This message was a little less nasty than before when they threatened me with going to jail. \n Company believes it acted appropriately as authorized by contract or law Solutions To Portfolios, LLC TX 751XX Older American Consent provided Web 11/25/2015 Closed with explanation Yes Yes 1672124
314616 12/10/2015 Debt collection I do not know Communication tactics Frequent or repeated calls Excessive calling after asking not to contact me under any circumstances. Speaking aggresive of other inquiries and information on my credit report. Excessively pulling inquiries without my authorization XXXX a week and every other day. Talking over me being very unprofessional and then hung up on me while I was talking. This is messing with my health and agitation of the pre-existing health problems I endureXXXX to the point of cancelling the doctor appointments I had scheduled. \n Company believes it acted appropriately as authorized by contract or law Servatus Corporation AZ 850XX Servicemember Consent provided Web 12/10/2015 Closed with explanation Yes No 1691498
314659 11/05/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I have been receiving calls from a debt collection agency for years. Every time they call, they ask for the same person who has my first and last name but a different middle initial. It appears that NAR in Arizona is the company that calls me once every few months. I have asked this company to remove my phone number from their database yet I receive calls from them on a regular basis. \n Company believes it acted appropriately as authorized by contract or law N.A.R., Inc. TN 379XX Servicemember Consent provided Web 11/05/2015 Closed with explanation Yes No 1641761
314699 12/10/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received This will be second time I have filed a complaint regarding a collection account that originated from an account with XXXX. The first complaint yielded the removal of the collection account. \n\nThere are currently XXXX collections agencies attempting to collect this deal all reporting on my credit report. The amount they are attempting to collect is twice the amount that I allegedly owe. All of the agencies are refusing to speak with me other than to say that the amount owed is correct. With my name being unisex they dont beleive that I am XXXX XXXX. I have attached my final bill from XXXX {$1000.00}. All of the agencies are attempting to collect over {$2000.00} \n Company believes it acted appropriately as authorized by contract or law ERC FL 339XX Servicemember Consent provided Web 12/10/2015 Closed with non-monetary relief Yes No 1691895
314740 11/05/2015 Debt collection Credit card Communication tactics Called after sent written cease of comm Sent a cease and desist letter to convergent debt collection agency on behalf of my mother XXXX XXXX who is in XXXX..she has no money and lives on ssi..they continue to call everyday. .throughout the day several times throughout the day as well. .do n't know what else to do. .I 've tried explaining to them her situation but they still are harassing her for money. \n Company chooses not to provide a public response Convergent Resources, Inc. OH 450XX Older American Consent provided Web 11/05/2015 Closed with explanation Yes No 1644737
314823 11/05/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I moved out of apartments and paid my last month rent and move out fees. They accidentally applied my payment else where which in turn sent my balance to a collection agency. This happened in XXXX of 2014 and I still can not get it cleared despite them stating they made the error and have said it was fixed twice. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company I.Q. Data International, Inc. CA 921XX Servicemember Consent provided Web 11/05/2015 Closed with non-monetary relief Yes No 1641852
314952 12/17/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received XXXX Transaction : Thru XXXX. {$1200.00}. \nItem ( military XXXX & XXXX ) was sold on XXXX and payment received from XXXX. \nThe purchaser then had buyers remorse and requested a REFUND. \nThe buyer them shipped the item back without a proper XXXX # when XXXX arrived with the Package IT WAS XXXX LB 's lighter that original package that I shipped. ( XXXX was kept? ) So the package was refused. XXXX and XXXX have both put my account on hold. I have done {$60000.00} in business with them in the last 15 years? Have these people lost their MINDS? I 'm told this is a XXXX scam and they had a class action law suit against them in 2004 that they settled. \n Company chooses not to provide a public response Constar Financial Services, LLC SC 295XX Servicemember Consent provided Web 12/17/2015 Closed with explanation Yes Yes 1704069
315027 12/17/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine GLA COllection Company XXXX XXXX XXXX, XXXX, KY XXXX is reporting XXXX collection accounts on my credit report, I have been trying for a year to have they validate that I indeed owe the debt, they have refused, yet continue to update that accounts and try to collect on them, I need proof that I indeed owe these alleged debts. \nAccount number XXXX, XXXX, XXXX \n Company believes it acted appropriately as authorized by contract or law GLA Collection Company, Inc. KY 402XX Servicemember Consent provided Web 12/17/2015 Closed with explanation Yes No 1705898
315035 11/19/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received I challenged this debt with XXXX and XXXX in XXXX 2015. The result was that I won the challenge and the debt was removed from both reporting agencies on XXXX XXXX, XXXX Credit Management Co. has reopened a report of the debt on XXXX XXXX, 2015 and reported again on XXXX XXXX, 2015. It is my understanding that it is illegal for them to take this action. This has a negative impact on my credit report and I want it to stop. \n Company believes it acted appropriately as authorized by contract or law The CMI Group, Inc. WA 984XX Older American Consent provided Web 11/19/2015 Closed with non-monetary relief Yes No 1662633
315064 12/17/2015 Debt collection Mortgage Improper contact or sharing of info Talked to a third party about my debt First : I have XXXX complaints about this collector ( XXXX XXXX ; phone : XXXX XXXX XXXX XXXX ). I do not owe this person anything at all AND his desperate attempt to reach me by phone is frightening. So, I live in XXXX and on the morning of XXXX XXXX, 2015, while I was talking on my land-line phone with my sister who lives in XXXX, I received a call from the office of XXXX XXXX. I saw the company name through caller-ID. I did not answer the call. \n\nAbout 5-10 minutes later, my sister ( who lives in XXXX ) receives a call and she assumed it was a family she had been XXXX. She placed me on hold and answered the call. In a few minutes, she returned to me and told me that someone named " XXXX XXXX '' had called and sternly asked for " ME '' by name. She told the person that I did not live there, but I was her sister and what did they want? She said the person immediately disconnected the call. Now ... .I DO NOT RECALL EVER, EVER VERBALLY COMMUNICATED WITH THIS DEBT COLLECTOR AT ALL ... ..NEVER. So, there is no way they would have access to my sister 's phone number and I have never, ever used her name for any ; absolutely any form of business. So, how did they get her phone number? And if they have been calling my phone number over time, what would lead them to call a different number? How did they get my sister 's phone number? \n\nSo, my concern is : somehow, this company was able to tap into my sister 's land-line phone while we were on the phone at the time of their call. I do n't lknow how they did it, but this truly happened and they should not be allowed to get away with it. They clearly had a way to do that which is invasion of privacy and by doing so, exposed a personal issue of mine to my family member, who had no prior knowledge. \n\nI am offended ; I feel violated and I am fed up with the constant harrassment I have been receiving from this company. They should not have a right to do this to anyone ; even if they did owe them money. \n\nPlease help me understand this. \n Company believes it acted appropriately as authorized by contract or law Dyck-O'Neal, Inc. GA 303XX Older American Consent provided Web 12/21/2015 Closed with explanation Yes Yes 1707070
315162 12/10/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I was just made aware by a credit monitoring alert that ERC or Enhanced Resource Centers, which shows up on my credit as Enhanced Recovery, has put a collection on my account for {$1100.00} on XXXX/XXXX/15. I have never been contacted by this company! And in fact this collection used to be owned by XXXX as a XXXX collections and they removed it from my credit in XXXX 2015 due to the fact that it is not a valid debt and the correspondence had been sent to an address I have n't lived at for 10 years, which is 6 years before I ever had XXXX. Not to mention what they claimed I owed was for receivers I sent back through the company 's mailing process and 2 months of service which I could n't have used since I cancelled it and I did n't have the receivers because I had moved from the service address. \n Company disputes the facts presented in the complaint ERC OH 430XX Servicemember Consent provided Web 12/10/2015 Closed with non-monetary relief Yes No 1691690
315182 12/10/2015 Debt collection I do not know Disclosure verification of debt Right to dispute notice not received I have noticed a new collection account on my credit report that -- I have attempted to contact the company Credit Protection Association ( XXXX ) and have been unable to contact anyone on the phone. All of my accounts are current and I am unaware on any outstanding credit issues. I am a XXXX employee and I am concerned with an account that may have been opened due to the XXXX data Breach. \n Company believes it acted appropriately as authorized by contract or law Credit Protection Association, L.P. MD 207XX Servicemember Consent provided Web 12/15/2015 Closed with non-monetary relief Yes No 1690927
315258 12/17/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine XXXX XXXX I verbally filed a complaint about daily harassment calls with FTC Consumer Fraud Division File XXXX XXXX XXXX XXXX on ERC Debt Collection Agency. A recorded message asking for " XXXX XXXX re claim XXXX XXXX. If I am not XXXX XXXX disregard this call if I am call XXXX XXXX XXXX. '' On XXXX XXXX I talked with a ERC rep and told them I am not XXXX XXXX and to stop calling. ERC continues to call daily. \nTimes : XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX. This is to update you with more info re my complaint # XXXX XXXX XXXX XXXX \n Company disputes the facts presented in the complaint ERC VA 220XX Older American, Servicemember Consent provided Web 12/18/2015 Closed with explanation Yes Yes 1705064
315487 11/19/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine The claim is false. It was not submitted to the insurance company as indicated. It contains false statements as payment collected from insurance and states incorrect information. I had issues with XXXX XXXX XXXX XXXX in the past. \nBasically, either the bill was not submitted as required or I am not the patient that received this service \n Company chooses not to provide a public response Radius Global Solutions LLC TN 380XX Older American, Servicemember Consent provided Web 11/19/2015 Closed with explanation Yes No 1662525
315536 11/19/2015 Debt collection Credit card Disclosure verification of debt Not given enough info to verify debt CACH violated FDCPA 1692-I by filing in the wrong jurisdiction which was XXXX XXXX, GA case on XX/XX/XXXX and dismissed on XX/XX/XXXX while the case was being held in XXXX XXXX GA as of XX/XX/XXXX under. case. It was time barred from giving the chain of custody given to validate party in interest under case in XX/XX/XXXX. FDCPA 1692F -K the frequency and irresponsibility of follow Federal debt collection guidelines in XXXX different incidents when it had opportunity to product the documents to validate it as party in interest it failed to do so from XX/XX/XXXX-XX/XX/XXXX showing persistence and determination to continue violations of FDCPA 1692. The unfair debt collection practices violating FDCPA 1692F to " ambushed '' and surprised the Defendant with a redacted bill of sale and affidavit of the debt 2 years after it was requested since the original filing case # by was unconscionable since they failed to produce copies on XX/XX/XXXX the bill of sale and affidavit from XXXX XXXX to Defendant. \n Company chooses not to provide a public response SquareTwo Financial Corporation GA 303XX Older American, Servicemember Consent provided Web 11/19/2015 Closed with explanation Yes No 1663985
315539 11/19/2015 Debt collection Credit card Disclosure verification of debt Not given enough info to verify debt XXXX violated FDCPA XXXX by filing in the wrong jurisdiction which was XXXX XXXX, GA case on XXXX XXXX, XXXX and dismissed on XXXX XXXX, XXXX while the case was being held in XXXX XXXX GA as of XXXX XXXX, XXXX under. case. It was time barred from giving the chain of custody given to validate party in interest under case in XXXX XXXX, XXXX. FDCPA XXXX -K the frequency and irresponsibility of follow Federal debt collection guidelines in XXXX different incidents when it had opportunity to product the documents to validate it as party in interest it failed to do so from XXXX XXXX XXXX, XXXX showing persistence and determination to continue violations of FDCPA XXXX. The unfair debt collection practices violating FDCPA XXXX to " ambushed '' and surprised the Defendant with a redacted bill of sale and affidavit of the debt 2 years after it was requested since the original filing case # by was unconscionable since they failed to produce copies on XXXX XXXX, XXXX the bill of sale and affidavit from Wells Fargo to Defendant. \n Company chooses not to provide a public response Wells Fargo & Company GA 303XX Older American, Servicemember Consent provided Web 11/24/2015 Closed with explanation Yes No 1663986
315546 11/12/2015 Debt collection Credit card Taking/threatening an illegal action Threatened to sue on too old debt This debt is well over 12 years old. I have not been able to make any form of acceptable payment arrangement. for the past 10 years. That which was offered was never acceptable or taken seriously. \nThe lawsuit presented, was given now avenue to dispute. I was not able to secure legal representation to help in disputing the charges. When the garnishment order was given, no court date was provided, for to stand and give defense of statute of limitations had expired. then I was given notice of wage garnishment, which has caused great financial harm. I stand at the point of having my utilities shut off, because of the inability to pay them, because the money was taken else where. \n Company believes it acted appropriately as authorized by contract or law Neiman, Stone & McCormick , P.C. IA 523XX Servicemember Consent provided Web 12/29/2015 Closed with explanation Yes Yes 1652740
315608 11/19/2015 Debt collection Credit card Taking/threatening an illegal action Threatened to sue on too old debt On XXXX, I was contacted by phone by XXXX XXXX ( XXXX ) from Zenco Collections regarding a debt from XX/XX/XXXX with XXXX. I explained that the debt was not valid as I had returned the merchandise in XXXX and that the debt in question was from 19 years ago. I was informed that the debt was not closed out by XXXX until XX/XX/XXXX and Zenco had until XX/XX/XXXX to collect on this debt. They informed me that if I did not pay a {$250.00} settlement on a {$480.00} debt that could sue me and I could end up paying up to {$4000.00} instead. They were attempting to mislead me that the debt is newer than it is by stating that I 'm responsible for the time between when the lender closed the debt and the end of the statute of limitations, and that the statute of limitations was at least a year longer than it is in the state of NJ, and that I can be sued by them for this debt which dates back to XX/XX/XXXX and no payments have been made since that time. \n Company chooses not to provide a public response ZENCO COLLECTION, LLC NJ 080XX Servicemember Consent provided Web 11/19/2015 Closed with explanation Yes No 1662857
315667 12/03/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid I checked my credit repot to see that Florida XXXX XXXX says I owed a debt for a emergency room visit XXXX/XXXX/14. I presented insurance at the time of the vist and was told my insurance would be billed. After contacting the insurance company they stated that Florida XXXX XXXX was not paid due to the fact that there information was not updated with the insurance company. I then called Florida XXXX XXXX billing and notified them why they were not paid. A few days later I was contacted by florida XXXX saying that they updated the insurance company and would be paid by them. I asked to remove the inaccurate information regarding that I owed the debt and they refused. I stated that I was not notified of this debt formally and I request proof of any certified mail stating I accepted mail stating that I was in debt and they said that they have nothing proving the fact. I have contacted them demand verfication of this debt and have not received a response. I have contacted the major credit reporting agencies and disuted the debt and still I am awaiting a response. \n\nFlorida XXXX XXXX violted the FCRA and reported inaccurate debt information on my credit report and now refuse to remove it after numerous attempts at resolving this issue. \n\nDue to there inability to provide accurate information the insurance company I was subject to a negative credit review and unfairly refused services. \n Company believes it acted appropriately as authorized by contract or law Gold Key Credit, Inc. NY 117XX Servicemember Consent provided Web 12/03/2015 Closed with explanation Yes No 1682219
315776 11/19/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I have had the same cell phone number that I do not give out for more than 10 years. I have no idea how they got this number. They are asking for XXXX XXXX - I have no clue who she is. When I asked them to remove my name and number and told them if they do not I will report them the attendant was very rude and told me " that was not necessary. '' Seriously? I do n't owe you money, you should n't be calling me at all and it is very necessary. \n Company believes it acted appropriately as authorized by contract or law ERC TN 370XX Servicemember Consent provided Web 11/24/2015 Closed with non-monetary relief Yes No 1663033
315825 12/10/2015 Debt collection Credit card Communication tactics Frequent or repeated calls Gate stone collection agency is contact a neighbor in a mobile home park where I live, asking invasive questions about me and stating they are calling regarding a debt. In addition calling my ex wife as well as my ex sister in law. \n Company chooses not to provide a public response Gatestone & Co. International Inc. CA 920XX Older American, Servicemember Consent provided Web 12/10/2015 Closed with non-monetary relief Yes No 1691889
315878 11/19/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Threatened to take legal action I have a personal loan with XXXX XXXX, which I am couple of months behind on right now. I am going through a financial hardship I already talked to them on the phone about a week ago and tried to workout some type of hardship payment plan, where I would pay the interest only on the payment. They said they do n't do that. I told them not to call my work, I ca n't take personal calls at work. Which XXXX from Mariner Finance from phone number XXXX called my work today ( XXXX/XXXX/2015 ) at XXXX am talked to my Manager to verify employment and asked for my company 's address to submit a wage garnishment. \n Company chooses not to provide a public response Mariner Finance, LLC OH 453XX Servicemember Consent provided Web 11/23/2015 Closed with explanation Yes Yes 1662506
315962 12/04/2015 Debt collection Credit card Improper contact or sharing of info Talked to a third party about my debt Some of the collections our from XX/XX/XXXX to XX/XX/XXXX they have had a charge off from the original. And I have been called for years from other debit collectors. \n Company chooses not to provide a public response Bank of America CA 945XX Older American, Servicemember Consent provided Web 12/04/2015 Closed with explanation Yes No 1683032
315998 11/12/2015 Debt collection I do not know Improper contact or sharing of info Contacted me after I asked not to Summit Receivables, a collection agency, has failed to honor cease and desist letter by contacting family, friends and employers regarding alleged debt. Agency also misrepresents itself by stating that a check to them was returned for insufficient funds. Company has also failed to send any notice to validate debt. Cease and Desist letter sent XXXX XXXX, 2015. \n Company chooses not to provide a public response GMA Investments, LLC NM 871XX Older American Consent provided Web 11/17/2015 Closed with explanation Yes No 1652807
316049 12/04/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Focus Receivables ManagementXXXX XXXX XXXX XXXX, GA XXXXThis company has reported to the credit agencies that I have {$38.00} in collections with XXXX XXXX from XXXX and reported it in XXXX XXXX. I 'm in the process of trying to obtain a home loan and this has negatively affected me. There is no way that this is a legitimate debt as I was not living in the United States from XXXX XXXX - XXXX XXXX, do not have XXXX XXXX nor is it even available in XXXX Idaho where I 'm currently living. They had called me several XXXX times and I informed them that this is not my debt and I do not have any account with XXXX cable. I had asked them several times to stop calling me before blocking their number. I 'm still receiving several mysterious automated calls daily. \n\nRegards, XXXX XXXX \n Company can't verify or dispute the facts in the complaint Focus Holding Company ID 837XX Servicemember Consent provided Web 12/09/2015 Closed with explanation Yes No 1683066
316104 12/11/2015 Debt collection I do not know Communication tactics Frequent or repeated calls I have no idea why they keep calling me are and they keep calling me and leaving messages for me to call them which is against the law to harass a person for a debt that I do not recall ever receiving a letter but I have lots of messages from them and they are constantly calling me and breaking the law by doing so. It is now not a matter of a collection it is now a method of harassment and it is against the law what they are doing regardless if it is concerning a bill no one has the right to keep calling and calling and harassing anyone. \n Company believes it acted appropriately as authorized by contract or law Select Portfolio Servicing, Inc MS 392XX Servicemember Consent provided Web 12/11/2015 Closed with explanation Yes No 1693660
316189 12/18/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine This debt is related to an XXXX admission that occurred in 2010 at XXXX XXXX, XXXX. I do not remember the exact circumstances, but has an idea which i remember, and the facts my wife has explained to me. \nI was discharged XXXX following the morning admission, despite the protest from my wife, who is an XXXX She protested the discharge as I still had XXXX. Despite her protest, I was discharged. I then had XXXX which occured following a XXXX. \nIn the evening, I was returned XXXX and again I was admitted XXXX. As far as I know, it was a weekend and from the XXXX, I was in the hall way as there was no room, or so. I was in XXXX until I was readmitted. \nThe same admission had XXXX XXXX visits XXXX in the morning and the next XXXX in the evening. On the initial admission, I was discharged before XXXX, and only to return to the hospital by evening. The second admission resulted in the hospital stay, but for the same problem. \nAs per my insurance coverage, XXXX is completely covered, but as the same admission had XXXX XXXX, Insurance paid only a portion. \nI initially had a bill from XXXX for the amount the collection Agency is billing. To that bill, I send by complaint, and I did not had any further bills or notices from the XXXX. And after an XXXX of three or four years, I had a notice from the collection agency. Though I informed the collection agency by phone and in writing, I again has notices and calls. Hence, I request CFPB to look into this. \n Company chooses not to provide a public response ProCollect, Inc TX 750XX Older American Consent provided Web 12/22/2015 Closed with explanation Yes No 1703410
316483 11/13/2015 Debt collection Non-federal student loan Communication tactics Threatened to take legal action XX/XX/XXXX XXXX I received a telephone call from Jacob Law Group , I was not home at teh time to receive the call. XX/XX/XXXX I received a letter from the same company stating that I had a debt from XXXX XXXX bank in the amont of {$2100.00}. I called the number on the letter and spoke with a lady named XXXX. She went on to inform me that she had contacted my job XXXX and verified emplyment. First of all no one at the particular center has the authority to validate employment. I asked who did she speak with ad she hesistated and told me the HR department. I called the HR department sad they had not spoken with anyone to verify my employment. She went on to tell me that I needed to pay the amount in full and she saw that my cosigner had a car in her name and if she had a car she should be able to go and get an installment loan for {$2000.00} at the bank and pay the bill and I pay the {$150.00}. I explained to her that this was my mother she was XXXX years old and since XX/XX/XXXX has had some credit issues. I offered to make installment payments but she would accept teh offer. I am afraid that htey will upset my mother who has XXXX as I do myself. She went on to ask how much I made per month and noted that they could take at least {$400.00} a month from me and that I did not want that. She was quite harsh. I had XXXX on XX/XX/XXXX and I amcurrently off work and under the care of my doctor. \n Company believes it acted appropriately as authorized by contract or law Jacob Law Group, PLLC MS 389XX Servicemember Consent provided Web 11/13/2015 Closed with explanation Yes No 1654870
316520 11/06/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine A medical debt was erroneously reported to American Collections Enterprise. They have been notified several times that the debt is not valid but they continue to report. The debt originator is XXXX, the originator has contacted them and I have also. They responded once that they had 30 days to remove the item from the report, that was in XXXX and the debt is still being reported. I attempted to contact them again to resolve this issue. \n\n\nXXXX \n Company chooses not to provide a public response American Collections Enterprise, Inc. MD 207XX Servicemember Consent provided Web 11/06/2015 Closed Yes No 1644176
316528 11/13/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt I revived from collection about debts that the XXXX XXXX has place for collection of XXXX and will place the debt on credit history, which so false from property management company. I do owed this debt.. \n Company believes it acted appropriately as authorized by contract or law Holloway Credit Solutions GA 301XX Servicemember Consent provided Web 11/16/2015 Closed with explanation Yes No 1653456
316541 11/26/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount Filed against : National Credit Systems , Inc . \nXXXX XXXX XXXX GA XXXXComplaint Description : The National Credit Systems , Inc. states that I owe on account # XXXX a total of {$3600.00}. The account in question is from an apartment that had an agreement terminated XX/XX/XXXX. I discovered this debt by checking my credit report and inquiring about it. On my credit it shows as debt owed beginning XX/XX/XXXX, however it should be changed to the correct date of XX/XX/XXXX. No attempt has ever been made to reach me regarding this debt that began XX/XX/XXXX. I had cosigned for an apartment for a friend of mine and was never notified of the failure to pay a debt. The person who rented the apartment, informed the apartment management that she was unable to afford the apartment and that she would be terminating the agreement early. She was told that if she left within three days that she would only be charged the early termination fee of {$2400.00} and no other fees. She left within three days per their agreement and made an arrangement to pay {$100.00} per month until the debt was paid off. In addition to the deposit on the apartment that paid off {$220.00} toward the termination fee, she made one payment of {$100.00} XX/XX/XXXX and did not make payments afterward. Once I found out about my credit score I called National Credit Systems to resolve issue. They state that instead of the {$2400.00} ( minus the {$100.00} payment and the {$220.00} deposit ), we also owe {$1200.00} for less than 60 day notice, pro-rated rent at {$32.00}, {$180.00} for cleaning charges, {$3.00} in damages, and {$19.00} in water/sewage which brings us to a total of {$3900.00} ( minus the {$220.00} deposit ). We should not have to pay the {$1200.00} for not giving 60 days notice as the arrangement with management was to leave within 3 days to avoid these charges, and she met that arrangement. In addition to the complaints, I have contacted this company and was met with extreme hostility. They yell over me when I merely ask questions regarding this debt which is news to me. They hang up on me frequently. They are rude, condescending, and insulting. At this point, when I call them they simply put me on hold until they eventually hang up on me. The company agreed to consider the debt settled at XXXX % ( {$2500.00} ), and yet when I asked for that agreement to be made in writing prior to payment, they refused saying that I must take their oral agreement and nothing else. I do not trust them to keep their agreement without seeing something in writing. To reiterate, I would like National Credit Systems , Inc. to provide to the three credit reporting agencies the actual beginning date of this debt XX/XX/XXXX and not XX/XX/XXXX that they reported previously. I would also like the agreement they made with me at considering this debt settled at XXXX % to be put in writing prior to payment. \n\nDesired Resolution : I would like National Credit Systems , Inc. to provide to the XXXX credit reporting agencies the actual beginning date of this debt XX/XX/XXXX and not XX/XX/XXXX that they reported previously. I would also like the agreement they made with me at considering this debt settled at XXXX % to be put in writing prior to payment. \n Company disputes the facts presented in the complaint National Credit Systems,Inc. CA 925XX Servicemember Consent provided Web 11/26/2015 Closed with explanation Yes No 1673029
316692 12/11/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount I received an attempt to collect a " debt '' in the mail from Enhanced Recovery Company , LLC ( ERC ). The letter stated " Dear CURRENT RESIDENT : Your recently disconnected XXXX XXXX XXXX account has been forwarded to us to assist you in the resolution of your balance due. Enclosed is a summary of your remaining charges. Please contact us today at the number provided below to pay your balance by phone. Thank you. '' I spoke with a representative at XXXX XXXX XXXX and they informed me that I currently have a XXXX balance and no outstanding balance from my account has been sent to collections. The representative forwarded the issue to XXXX XXXX XXXX 's fraud department. \n\nI then called ERC and the representative was unable to give me the specifics of the debt and they did not know my name, the representative knew me only as the " Current Resident ''. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company ERC NC 283XX Servicemember Consent provided Web 12/11/2015 Closed with explanation Yes No 1693098
316804 11/26/2015 Debt collection Other (i.e. phone, health club, etc.) Taking/threatening an illegal action Sued where didn't live/sign for debt In XX/XX/XXXX, USA Discounters/USA Living filed a lawsuit in the state of Virginia for an account I opened on XX/XX/XXXX while serving as an XXXX Service-member. They charged me 18 % to 19.05 % interest rate and {$5.00} XXXX Specialist service fee. In XX/XX/XXXX, I was medically discharged from the service and could not make my payments on time or at all due to lack of or fixed XXXX income. In XX/XX/XXXX, I could not keep up with payments, and finally had to stop payments to USA Discounters in order to live. I offered USA Discounters to retrieve its merchandise several times prior to the lawsuit and was told they can not retrieve the merchandise. On XX/XX/XXXX, USA Discounters filed a lawsuit and was granted a judgment in the state of Virginia ( in which I could not attend court due to lack of funds to travel the distance ) instead of my home of residence which is out of the state of Virginia. I have not been employed since XX/XX/XXXX. \n Company chooses not to provide a public response USA Discounters, Ltd. NC 282XX Servicemember Consent provided Web 12/03/2015 Closed with explanation Yes Yes 1673154
316870 11/27/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine a company called citgroup credit services, a third party to citi is responding weirdly ... \n\ni have requested of them since 2009 a copy of their agreement between themselves citigroup credit services and their trustee XXXX and the owner of the debt as per their agreement that they would accept XXXX as noted in their letterthey have never provided such an agreement \n Company chooses not to provide a public response Citibank NV 890XX Older American Consent provided Web 12/03/2015 Closed with explanation Yes Yes 1673256
316871 12/11/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Enhanced Recovery Company is once again reporting on my credit profile for a debt that I do not believe to be my debt. If this debt were mine once again I need to be served with a dunning notice before a debt appears on my credit profile. I have not received a dunning notice nor have I received any verifiable proof of this debt linking this debt to me. It seems as if this company simply creates their own rules and do not follow federal or state guidelines. By law I can not have accounts on my credit profile that do not belong to me nor should I have debts on my credit profile that can not be verified. If this continues to happen I will be forced to take this process a step further in regards to the law and seek legal counsel about this company ruining my credit. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company ERC MD 207XX Servicemember Consent provided Web 12/11/2015 Closed with non-monetary relief Yes No 1692871
316982 12/18/2015 Debt collection I do not know Communication tactics Frequent or repeated calls Continued calls, they will not leave a message, No one there if I call back. I had to search the internet to see who they are. I do not know of any debt that I have that is outstanding. \n Company believes it acted appropriately as authorized by contract or law The CMI Group, Inc. FL 321XX Servicemember Consent provided Web 12/18/2015 Closed with explanation Yes No 1707672
317162 11/19/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I purchased membership tickets online. When I arrived XXXX in XXXX TX. I was informed by XXXX employeesthat they would not honor the membership since I purchased itto attend the XXXX XXXX TX location. I explained I was notinformed of this and that I thought I could use my membershipany where. The employee stated I only could utilize themembership after I go the designated location of themembership. Therefore, I just paid to get in the park. Thefollowing day attempted to utilize the membership at XXXX XXXX XXXX in XXXX TX. I discovered even if the membershiphad the correct location that is not a part of the membershipagreement. I explained that is the main reason for purchasingthe membership because the advertisement stated it was validat all XXXX including the XXXX XXXX. I emailed andcontacted XXXX membership several times and no one wasable to correct this issue. Therefore, I received a collectionnotice stating I allegedly owe a total of {$1000.00}. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Aargon Agency, Inc. LA 712XX Servicemember Consent provided Web 11/19/2015 Closed No No 1663704
317455 11/19/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine My husband and I are being called repeatedly by XXXX different debt collection agencies. XXXX collector says they are trying to contact a person with a different last name, and if we are not that person, just hang up. We have hung up repeatedly, but they just keep calling and calling, often more than once a day. I tried calling them to complain, but their XXXX number was busy. \nThe second agency says it is ERC, a debt collection agency in XXXX FL, but we suspect it is someone else pretending to be them, as they are using a different number. They give us a case number and tell us to call back, but we have not done so, because we have an excellent credit score, and KNOW we do not have any debts that would be in collection. Besides, we have friends and neighbors who have been harassed by people like them for months, claiming that debts are owed when they are NOT owed. \n Company believes it acted appropriately as authorized by contract or law ERC GA 306XX Older American Consent provided Web 11/19/2015 Closed with explanation Yes No 1663849
317665 11/13/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid XXXX/ ERC : I was lied to as to the total cost of their services from day one. As their bills continued at a rate above what i had agreed to. I tried to discontinue service. I believe it took between 3 and 4 months for service to be turned off. finally they turned it off after i called and threatened law suit. \nI would like to see any and all agreements that i signed where i agreed to pay them this or or any amount of money. \n\nXXXX XXXX \n Company believes it acted appropriately as authorized by contract or law ERC KY 417XX Older American Consent provided Web 11/13/2015 Closed with non-monetary relief Yes No 1653988
318227 12/04/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Telephone calls received from Hunter Warfield for the past 11 months. Have not ever answered the calls -- can not provide details of reason for calls. \nSuspect that reason for call is a medical debt that my son 's wife owes. I have no debts and I owe no debts. \nCalls come from phone numbers XXXX XXXX XXXX, caller id is Hunter Warfield and XXXX XXXX XXXX, caller id is Toll Free \n Company can't verify or dispute the facts in the complaint Hunter Warfield, Inc. NM 871XX Older American Consent provided Web 12/04/2015 Closed with explanation Yes No 1684069
318411 11/27/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt was paid This dispute is in reference to judgment file # XXXX in the amount of {$6000.00} which was paid off XX/XX/XXXX. On that date XX/XX/XXXX I attached payment documentation along with the final payment, sent in a certified package to Frederick J Hanna & Associates. XX/XX/XXXX I talked with XXXX and he inform me that there was an outstanding balance in the amount of {$4100.00}, after talking with him for several minutes he then said the balance was {$500.00} which I told him it was incorrect and the balance was {$0.00}. XX/XX/XXXX I call their office again to see if they had corrected my account I talked with XXXX XXXX and then transferred to XXXX XXXX who informed me that they were still investigating matter, my response was that you have had over 30 days to investigate this. XX/XX/XXXX I talked with XXXX XXXX she said the balance on the account was {$120.00}. which was because of the money order dated XX/XX/XXXX could not be account for, so I call the money order company and confirmed the money order was not cashed. I call XXXX XXXX back the same day and informed him the money order had not been cashed. I also informed that the issuing company was only going to replace {$100.00} of the money order due to the age of it. She said they would absorb the {$20.00} and to just send them {$100.00} which I did XX/XX/XXXX. XX/XX/XXXX Frederick Hanna sent me a letter stating that my current balance on this account is {$3800.00}. I have all my payment receipts which total the amount owed. I would appreciate any assistance you can give to help resolve the matter. \n Company believes it acted appropriately as authorized by contract or law Frederick J. Hanna & Associates, P.C. GA 303XX Servicemember Consent provided Web 11/27/2015 Closed with explanation Yes No 1673195
318551 12/05/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid RGL asscociates of XXXX, GA wo n't send me a " paid in full letter ''. I started paying my debt in an installment of {$100.00} starting earlier this year. However I needed a car loan, and this was showing up as a lien on my credit. So I decided to pay the remainder of {$300.00} in full XX/XX/XXXX. It 's been more than 3 weeks since I paid my debt in full, but still have n't received any kind of proof that shows that I am clear of this debt. Any bank I go to asks me to get the lien removed before they can accept my loan application. I have requested a paid in full letter 3 times already and they keep saying they will mail it the same day. I 've even offered to pay for a registered mail so to make sure I receive the letter and have to sign off. They are just giving me a run around everytime I contact them. They have however faxed me something that shows the amount I paid and shows that my balance is {$0.00}, but banks need more than that. I feel really helpless, I am in a dire need of a car loan. Please help! \n Company disputes the facts presented in the complaint RGL Associates, Inc. GA 310XX Older American Consent provided Web 12/15/2015 Closed with explanation Yes No 1684624
318613 11/28/2015 Debt collection I do not know False statements or representation Attempted to collect wrong amount Apparently, the company has flagged my account for a collection for an amount of {$18.00}. I have no idea who they are or who I might owe this amount to, because I have not been contacted by anyone about this, as far as I can recall. I contacted the company and left a voicemail with my name and phone number in case they decide to contact me directly. \n Company believes it acted appropriately as authorized by contract or law Focus Holding Company IL 617XX Servicemember Consent provided Web 11/28/2015 Closed with explanation Yes No 1674399
318640 11/28/2015 Debt collection Payday loan Taking/threatening an illegal action Threatened arrest/jail if do not pay It began when my relatives kept receiving phone calls that I owed to a payday loan company that I never took a loan out on. My relatives gave me the debt collectors contact info, and I returned their phone call. They proceeded to say that they had served me with an affidavit to an address I have never dwelled in, XXXX, and that this was an issue of a loan taking out in XX/XX/XXXX. I checked my bank statement to corroborate their story and I did not receive any fund in the timeframe they are accusing me of. I proceeded to explain this and asked if they could send me a copy of this affidavit, and they proceeded to say they do not bend over backwards for people that did not pay their bills ; than when I preceded to say it was public record, and it should not be that difficult they hung up. About a week later the same company called me this time after my relatives said they would report them. They proceeded to tell me the same song and dance, and I told them it is XX/XX/XXXX the fictitious debt you trying to collect is too old. Than they said you live in this state or this state, and I said neither, than they said where you live, and I said if you have an affidavit for my arrest you should know. Than, I got transferred again I told this individual that I was in the military at the time of this so called payday loan and military members are not allowed to get payday loans, and they said that 's not true, when indeed it is. And I told him if I had a warrant out for my arrest I would not be able to have a job that has a XXXX, which I do. He than proceeded to yell and scream and call me a scumbag that does n't pay my bills, I could n't do anything but laugh because they got caught in their own scheme, and were getting mad at me, then they hung up. I received one more phone call with them stating they have my commanding officer 's information from a base I have not been stationed at for years, and I told them good luck with that, than the hung up on me again. \n Company disputes the facts presented in the complaint Cooper Hoffman Klein Associates TX 782XX Servicemember Consent provided Web 11/28/2015 Closed with explanation Yes No 1674413
319010 12/06/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid Debt was paid in full. \n\nCollection agency violated section 15 U.S.C. 1692 of FDPAAsloduring discussion with agency they failed to provide accurate information despite my attempt to secure sameThey reported an inaccurate debt to credit bureau \n Company chooses not to provide a public response Meridian Financial Services, Inc. VA 221XX Older American Consent provided Web 12/06/2015 Closed with explanation Yes Yes 1684917
319097 12/06/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine This debt was disputed with the original creditor XX/XX/XXXX. The issue is long over the 7 year limitation. The collection agency continues to maintain this disputed debt from XXXX on my credit report even though it shows the debt is in dispute. I would like your assistance getting this account removed from my credit reports with all credit reporting agencies. \n Company chooses not to provide a public response FAIR COLLECTIONS & OUTSOURCING, INC. NC 280XX Servicemember Consent provided Web 12/06/2015 Closed with explanation Yes No 1684941
319702 11/20/2015 Debt collection Credit card Taking/threatening an illegal action Attempted to/Collected exempt funds Frederick J. Hanna XXXX have supposedly filed a lawsuit without notiyfing me or having court summons sent to me. I am getting letters from other legal representatives stating I am being sued or wages might might be garnished by Frederick J. Hanna XXXX XXXX XXXX XXXX. In an attempt to pay my account with XXXX XXXX XXXX, I have been working with a company XXXX. They are supposed to settle your debts through negotiations with your creditors. Although a third party, XXXX XXXX. XXXX, were willing to work with us. \n\nSomehow now Frederick J. Hanna, another third party has got involved and now is allegedly is in the process or has filed a lawsuit against me in court. I am getting letters from various Lawyers stating this fact. This agency is known for not informing consumers of their lawsuits, and does not have a good reputation. \n\nSince I have not been served any summons yet, I would like to go ahead and offer to pay this account in full by installation payments of {$300.00} - {$350.00} per month. If you XXXX Frederick J. Hanna, this agency has been sued by the Federal Government, ( Consumer Financial Protection Bureau ) and have numerous consumer complaints according to the XXXX etc. I can be reached at XXXX. Thanks so much. \n Company chooses not to provide a public response Frederick J. Hanna & Associates, P.C. GA 302XX Older American, Servicemember Consent provided Web 11/20/2015 Closed with explanation Yes No 1664655
319748 11/30/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I continuously requesting proof an agreement was entered with the collector. I requested a thoroughly investigation from all the XXXX credits bureau to provide me proof on how the debt was incurred and sign promissory contract was enter I have not received any of that instead an investigation was done and it stated " This item belongs to you '' This is not an acceptable investigation. \n\nXXXX XXXX balance Owed {$430.00} \n Company believes it acted appropriately as authorized by contract or law Colony Brands, Inc. FL 328XX Servicemember Consent provided Web 12/04/2015 Closed with non-monetary relief Yes No 1676112
319776 11/30/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine A charge was posted on my credit report which I constantly request proof of how this debt was incurred. I have not received any proof the debt belongs to meXXXX XXXX \n Company believes the complaint is the result of a misunderstanding Law Offices of Robert J. Colclough, III FL 328XX Servicemember Consent provided Web 11/30/2015 Closed with non-monetary relief Yes No 1676113
319778 11/30/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine XXXX reported false information on my credit this is not my debt. \n Company believes it acted appropriately as authorized by contract or law Credit Protection Association, L.P. FL 328XX Servicemember Consent provided Web 11/30/2015 Closed with non-monetary relief Yes No 1676114
319811 11/30/2015 Debt collection Other (i.e. phone, health club, etc.) Taking/threatening an illegal action Attempted to/Collected exempt funds Threatening to visit my home or job \n Company can't verify or dispute the facts in the complaint Sterling Jewelers Inc. SC 299XX Servicemember Consent provided Web 12/01/2015 Closed with explanation Yes No 1676273
319858 11/20/2015 Debt collection Credit card False statements or representation Indicated shouldn't respond to lawsuit To whom it concerns, I had a credit card XXXX the balanced closed at {$1900.00} XXXX XXXX, XXXX .... Johnson Mark LLC. Picked up the debt. Affidavit of service served XXXX/XXXX/XXXX I did not get served this Affidavit. As a result a judgement was entered with out me knowing XXXX/XXXX/XXXX for {$3900.00} ... XXXX XXXX, XXXX {$2600.00} was stolen out of my account from Johnson Mark LLC. this account was for my VA Benefits from my military XXXX. XXXX the taking out of all my money from my account to the taking my VA Benefits money was wrong and illegal. Then they are saying i still owe {$1900.00} a total of {$4600.00}?? Last for over a year they did not report to the credit bureau 's XXXX that they had stole my VA benefit money/ which caused damage to my credit. \n Company believes it acted appropriately as authorized by contract or law Johnson Mark LLC ID 836XX Servicemember Consent provided Web 11/20/2015 Closed with explanation No No 1665360
319878 12/29/2015 Debt collection Credit card Communication tactics Threatened to take legal action On XXXX XXXX, 2015 I received a letter from XXXX XXXX threatening to garnish my wages if I did n't make payment arrangements to settle an old account, {$5500.00}. I spoke to XXXX XXXX, account manager, of XXXX XXXX , XXXX and he informed me that I needed to pay XXXX % before I could make any arrangements. I said I did n't have that amount of money and he insisted I contact my bank, or another bank, and request a debt consolidation loan ; failure to do so would require them to garnish my wages. My credit report shows this account as closed, owning XXXX. I contacted legal services and told to contact you. \n Company believes it acted appropriately as authorized by contract or law Army and Air Force Exchange Service CA 919XX Servicemember Consent provided Web 12/29/2015 Closed with explanation Yes Yes 1719021
319880 11/30/2015 Debt collection Medical Communication tactics Threatened to take legal action In XXXX 2015 I received a collections notice from " Bay Area Credit Service '' - I had no idea what it was for so I sent a FAX requesting more information, such as to whom the money was owed and for what ... .. I then set it aside to await a response and if none received intended to turn it over to the police as mail " phishing scam ''. \nOn XXXX/XXXX/15, I had still received no response so I decided to attempt calling them before reporting it to the police. It turns out that the debt was a valid medical debt however, the provider failed to send me a bill and in speaking with the original service provider ( XXXX XXXX XXXX - XXXX, CA ), it turns out they had the secondary insurance information all along and simply failed to bill them either. Additionally, they advised that they had a different address but this has been the address for years and was also the address where the service was provided. The first person I spoke with said they attempted phone contact but they did not and when I mentioned that to the supervisor, she did not indicate that any attempt to contact by telephone was made. The hospital and physicians who provided treatment related to this injury all have the correct information and were all paid in full within weeks of service. \nMy concern is that this type of business practice damages a person 's credit - especially when the 'debtor ' would have been and still is more than willing and able to pay any uncovered expenses. \nAfter two hours of phone calls and speaking with a supervisor, I was told they would forward the information to the collection agency and request that it not be reported to credit agencies. I explained that I was comfortable sharing any more information with any collection agency and again requested that they pull it out of collections, bill the secondary insurance and then, if any monies were owed, bill me for the remainder. \nThe supervisor at XXXX XXXX XXXX was unfamiliar with the procedure to pull back any accounts sold to collections but will look into it and phone me back in two days. Even if I am successful in pressuring them to do the right thing, it is clear that correcting mistakes is not a standard policy or practice for this provider. \nIs there a law in place protecting people from such damaging business practices? if not, there should be. I did read that the collections agency is required to give you the original provider 's information such as the name and contact information and that was not done upon receipt of my FAXED inquiry in XXXX 2015 and when I spoke with them today, they gave me the name but refused to give me the contact information for the provider ( I found it myself online ). \nAdditionally, the practice of 'selling ' accounts due at a reduced rate when they are in fact able to collect through standard billing methods, only serves to further increase the already inflated cost of medical care - making it increasingly difficult for average citizens to obtain and pay for needed medical care. \n Company can't verify or dispute the facts in the complaint HOVG, LLC CA 960XX Older American, Servicemember Consent provided Web 11/30/2015 Closed with explanation Yes No 1676389
320252 12/13/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt resulted from identity theft National Recovery Agency insist that I owe {$5700.00} in charges. I am a victim of Identity Theft. I was recently contacted by the United States XXXX XXXX XXXX XXXX informing me that I was a victim of ID theft. They informed me that my information has been compromised. \n Company can't verify or dispute the facts in the complaint NRA Group, LLC MA 015XX Servicemember Consent provided Web 12/17/2015 Closed with explanation No Yes 1694954
320459 12/20/2015 Debt collection Medical False statements or representation Attempted to collect wrong amount On the day of the medical appointment my spouse and I showed up at the XXXX XXXX and checked in with the insurance/payment person. I stated that my insurance had recently changed and if I was not covered, I did not want to be seen ; rather, I would walk away from incurring the charge because I could not afford it. This was all witnessed by my spouse. The insurance person made some efforts to confirm my coverage and told me that I was certainly covered and there would be no problem with going forward with the visit. Of course, later, the XXXX billing department said I was not covered and demanded {$2500.00} for XXXX visits, all charges worked up for the XXXX XXXX doctor 's visit. I offered to pay the amount of my typical deductible, which was refused as payment. They required me to submit to their disputed bill department, which I did, to no avail. Then they repeatedly called me, threatening to send the bill to collections to ruin my credit rating despite the fraud they committed upon me, again refusing just payment, as they promised to accept at the time the service was performed. And now I receive a collection letter from a law firm telling me to submit the same information all over again if I dispute the outrageous charge. On XXXX treatment visits, I rehearsed I did not want to be seen if I was not covered by insurance. My new insurance flatly refused to pay XXXX charges ( XXXX XXXX XXXX XXXX XXXX Arizona ). \n Company disputes the facts presented in the complaint Professional Service Bureau AZ 852XX Servicemember Consent provided Web 12/21/2015 Closed with explanation Yes Yes 1709809
320472 12/14/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine Debt is being reported on my credit report and I have not knowledge of debt. No contact has ever been made with me concerning debt, not attempts to notify or collect debt. \n Company believes it acted appropriately as authorized by contract or law Professional Recovery Management TN 370XX Older American, Servicemember Consent provided Web 12/16/2015 Closed with explanation Yes Yes 1695211
320512 11/20/2015 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect This company tried to charge me a usury interest rate of over 800 % which is illegal in the USA ... I have received a demand letter from a attorney located at XXXX saying that I owe them {$1500.00} I know nothing about this activity and this unlicensed company is trying to get them to collect an illegal usury interest rate account. \nThis company does not have a license to conduct this type of activity in the state of California per the Ca. Department of business oversight ... I am also filing a complaint with the California bar association against XXXX XXXX XXXX for violating the Canons of ethics. because this claim that he is trying to collect is unauthorized and illegal. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company BlueChip Financial CA 917XX Older American Consent provided Web 11/30/2015 Closed with explanation Yes Yes 1665995
320606 12/07/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine We received a notice in the mail from Complete Payment Recovery Services , Inc. of XXXX, AL demanding payment for a returned check # XXXX for {$460.00}. The notice was addressed to " XXXX XXXX. XXXX XXXX. '' We are now receiving frequent recorded massages on our landline phone demanding immediate payment. That is not the name of our company. We are a husband and wife marketing firm with no employees and do not issue payroll checks. Nor do we show in our records any check numbered XXXX for {$460.00}. We called the number provided on the notice ( XXXX XXXX XXXX ) after talking by phone with a representative at the Consumer Finance office. The person we were finally able to get ahold of at Complete Payment Recovery Services , Inc. was very rude and kept trying to get more information from us, saying she needed more information about our company in order to answer any question we had. We did n't give her the information she was requesting. ( Example : full names, name of company, etc. ). We explained we were going to file a complaint with Consumer Finance and hung up. \n Company chooses not to provide a public response Fidelity National Information Services, Inc. (FNIS) OK 741XX Older American Consent provided Web 12/07/2015 Closed with explanation Yes No 1685786
320687 11/14/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt I have sent numerous letters by certified mail to this company requesting validation of this debt. They have ignored every single one of them. I have never received a response to date with any of the information I requested in my correspondence. It is my right to have this debt validated snd they refuse \n Company chooses not to provide a public response ProCollect, Inc TX 773XX Older American Consent provided Web 11/18/2015 Closed with explanation Yes Yes 1655397
320865 12/07/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine This is an attempt to amend my complaint number XXXX by adding my telephone numer. Number was omitted in first complaint. \n\nThe debt for which I am being constantly harassed is my son 's wife ' s debt. \n Company can't verify or dispute the facts in the complaint Hunter Warfield, Inc. NM 871XX Older American Consent provided Web 12/07/2015 Closed with explanation Yes Yes 1685265
320876 11/21/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine My wife and I have a Sears credit card issued by Citibank, my wife is the main user on the account. We purchased a washer and dryer on an interest free finance option over 1 year and paid it off ahead of time. The minute we paid off the Sears balance, Citibank started calling our home phone number claiming I owed them money. \n\nWe have told them many times we do n't owe them anything and asked them to not call our house again to no avail. I went to a local branch of Citibank and explained the situation and a representative from the bank told me they do n't handle Sears accounts but called the number Sears gave me to call while I was there. I spoke with a person by the name of XXXX, who would n't give me her last name ; I gave her the last XXXX digits of my social security number and she verified I do n't owe them anything, that the information they had was for another person and they would remove my home phone number from their calling list. \n\nThey have continued calling me on daily basis, sometimes several times a day. They have been told over and over to not call again but they choose to not believe us and continue calling. I have excellent credit and I am a responsible person. The people calling speak XXXX. Their most recent call was at XXXX XXXX this morning, XXXX/XXXX/15 from XXXX, they call every day of the week at all times, sometimes they call from numbers not identified as Citibank. My wife answered the phone this morning and advised the woman calling, who did not identify herself, to not call our house again, that I had gone to the local branch of Citibank and contacted them to clear this, that they are calling the wrong person and we were going to report them. She said she would remove our number from their calling list, hopefully there will be an end to their calls. \n Company chooses not to provide a public response Citibank FL 330XX Older American Consent provided Web 11/25/2015 Closed with non-monetary relief Yes No 1666808
320884 11/21/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Used obscene/profane/abusive language Hello, My name is XXXX XXXX XXXX, In XX/XX/XXXX, my body was XXXX. Paying my bills in a timely manner was not high on my priority list. So I got behind on many of my financial obligations. \n\nMy body and my mind were so XXXX. ( On XX/XX/XXXX I have a XXXX hearing, and at that time my case will be settled -- FINALLY!!! \n\nSo, I needed something to do with the rest of my lif. I am not the type of individual that can just sit around and meditate on his navel. ( I am XXXX years old, by the way and am XXXX, also ). \n\nMy best friend, who is a XXXX, encouraged me to go back to school and learn XXXX. I applied for and was accepted to XXXX. \n\nThe school is conducted ON-LINE, so that transportation and my physical limitations would not impeded my studies. \n\nI was overjoyed and excited at the fact that after over 3 years of XXXX I was finally going to be able to make a contribution to society!! \n\nThe only hang-up, that I had was that I would need a highly reliable, and effective Inter-Net Provider. And I considered it as a positive sing that I had just settled my past due debt with the most dependable internet provider in Missouri -- XXXX. \n\nYou See, on XX/XX/XXXX. I had received a POSTCARD from a collection agency named AMSHER COLLECTION SERVICE, INC., XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. XXXX. \n\nThe collection company said that XXXX was willing to forgive the entire debt ( {$300.00} ) for a total of {$150.00}, if I wouldSo, on XX/XX/XXXX I made A VERY BIG MISTAKE. I gave my debate card information to AMSHER and, because of my nieve and trusting nature, thought that this would be the end of it, and my debt with XXXX,, like AMESHER told me paid in full. \n\nThe Settlement account number is XXXX. With great enthusiasm, on XX/XX/XXXX I called XXXX XXXX to have my Internet servase connected. I even gave XXXX XXXX a sizable deposit. \n\nXXXX XXXX told me that Ameser had not released the funds as yet and that XXXX XXXX could not establish my service until the collection company ( AMSHER released the funds. \n\nNieve me, thinking that AMESHER was an honest copany, called them and inquired why and when XXXX would be notified of my paiment. They said it would take `9 to 12 days.I was outraged and called them back to inform them of my pressing sittuation and that I needed Internet service before XXXX/XXXX/XXXX. \nSo, I could go to school. The collection company said that is not our problem, that you should oay your billes on time and this would not have happend to you. The last thin that I needed at this point was a demoralizeng lecture. \n\nI have called AMSHER every day for the last 2 weeks, and now they say that it could be between 60 and 90 days before they release the funds!! \n\nI explained to them how illegal what they were doing was. And they rep ; ied and there additude is that they are doing nothing illegal and that they are above creadit reporting laws. \n\nOn or about XX/XX/XXXX I filed a formal complante with the Federal Traid Commision. They were extremally helpful and told me that AMSHER was way out of line. \n\n\nSo would you please aid me. I would like you to punnish AMASER COLLECTIO COMPANY to the fullest extent of the lawAnd I would like you to infor athers of this type of trape that they can fall into when dealing with, ( THE XXXX OF THE EARTH ( COLLECTION AGAINCES ). \n\nSo if you have any other questions please do not hesitate to call me. \n\nThank You Very Much, And with my most highest regardsXXXX XXXX XXXX \n Company believes it acted appropriately as authorized by contract or law Amsher Collection Services, Inc. MO 647XX Older American Consent provided Web 11/25/2015 Closed with explanation Yes No 1666667
321107 11/14/2015 Debt collection Auto Communication tactics Frequent or repeated calls They call 3-4 times per hour everyday. Never leave a message they try my house then cell phone so I end up have up to 8 calls per hour for 12 hours a day. If they want to teach someone they should leave a message. \n Company chooses not to provide a public response Ally Financial Inc. NJ 080XX Servicemember Consent provided Web 11/14/2015 Closed with explanation Yes No 1655653
321162 12/21/2015 Debt collection I do not know Communication tactics Frequent or repeated calls I received several calls from XXXX. He will not tell me what company they are with, only that I allegedly owe money to a western sky finance. I paid all my loan and then some to western sky and I do n't know who these people are that are trying to collect money from me. They called me at work and even after I told him I was at work and they were not allowed to call me the agent said they would continue to call me. I called him back and he kept hanging up on me until finally he transferred me to a supervisor. This is harassment plain and simple and I want to file charges on these people. \n Company chooses not to provide a public response Delbert Services TX 750XX Servicemember Consent provided Web 12/21/2015 Closed with explanation Yes Yes 1711253
321374 11/22/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid XXXX sent a " kill code " that destroyed my bought and paid forDVR player. I was required to purchase my DVR because XXXX said that I did n't qualify for a free one, I had to pay XXXX USD for my DVR. Not only did they kill my DVR on XX/XX/XXXX @ XXXX XXXX, there was no outstanding balance on my account. XXXX stopped providing service in XX/XX/XXXX. XX/XX/XXXX I received a bill for XXXX USD for services allegedly provided XX/XX/XXXX, how? They required me to first purchase a DVR, then killed that DVR and then charged me for services I could not have received. When I refused to pay for services not delivered, XXXX illegally turned my account over to collection which severely affected my credit score. My score dropped XXXX points. \n Company believes it acted appropriately as authorized by contract or law First National Collection Bureau, Inc. TN 376XX Older American Consent provided Web 11/22/2015 Closed with explanation Yes Yes 1667172
321481 12/07/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Repeated calls for my ex husband 's wife. We have been divorced for over twenty years. I have not talked nor laid eyes on these people in twenty years. The repeated calls are upsetting me and my family. \n Company chooses not to provide a public response Delta Management Associates, Inc. GA 308XX Servicemember Consent provided Web 12/07/2015 Closed with explanation Yes No 1686349
321539 11/15/2015 Debt collection Credit card Disclosure verification of debt Not given enough info to verify debt XXXX, XXXX XXXX XXXX collection agency submitted judgement to court in 2004 for supposedly on account we had with Citibank XXXX, in the amount of {$7700.00}, at 12.0000 % interest. Since 2004 they have been garnishing my pay for this. After 11 years you would think this has been paid off a while ago. We have noticed for years they will start and stop garnishment. Never sending us any kind of accountability how much was taken out or balance owing. Every XXXX they start garnishing my wages for a month or so, then it stops. We never hear from them again until they start a new writ the end of XXXX. We get paperwork in the mail. Also enclosed is a Wage Garnishment Exemption Claim, stating we have 28 days/4 weeks to respond. They never give us a chance to respond, because they have already submitted collections to my payroll. We see what they are doing. They are taking so much out, leaving a balance to keep adding interest on for a year then send to payroll for collections. Why ca n't after each time they take money from me, I get a balance from them so I can go ahead and pay in full? When I got this on Thursday, I called and asked this question and nobody wants to respond to this. They are nickel and finding me. I called Citibank years ago and was told this account had been written off many years ago and they have no record of payments. I called and told XXXX this and they told me it does not matter and when I had asked for contact to Citibank they would not give to me. I had to find contact myself. I feel after 11 years of supposedly paying off a {$7700.00} debt this should have been paid off a long time ago. We feel they are taking advantage and just trying to get as much money from us as they can. \n Company chooses not to provide a public response Citibank WA 984XX Servicemember Consent provided Web 11/15/2015 Closed with explanation Yes Yes 1655388
321817 12/08/2015 Debt collection Medical Communication tactics Threatened to take legal action I 've notified them several times that I 'm a veteran and I did go to a va hospital. They reported an illegal transaction on my credit report that I 'm 1 month late as a charged off account. The original date is back from 2010. They re-aged the date on my account in an attempt to prolong the time frame to collect which is illegal and unethical. \n Company chooses not to provide a public response CMRE Financial Services, Inc. CA 921XX Servicemember Consent provided Web 12/08/2015 Closed with explanation Yes No 1688520
321837 11/16/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received Defendant gave debt to collection agency who could not verify debt and bowed out and deleted negative info. Defendant went ahead and acting as their own collection agency never contacted me per law put negative info on account XXXX/XXXX/2014. Ignored request for info and after 30 days per FCRA sent desist letter which they ignored. State of Florida requires all collection agencies etc to be licensed which they are not. All contact ignored. \n Company chooses not to provide a public response SquareTwo Financial Corporation FL 349XX Older American, Servicemember Consent provided Web 11/16/2015 Closed with explanation Yes Yes 1657784
321868 12/29/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt Received correspondence from XXXX XXXX, XXXX XXXX XXXX, XXXX, MA XXXX have a second address on form of XXXX XXXX XXXX, XXXX TX XXXX phone number XXXX - stating that they are collecting a debt from original creditor college loan corp/XXXX. Total due {$10000.00}. This is not my debt and they will not provide me with documentation about this debt. \n Company chooses not to provide a public response College Loan Corporation PA 191XX Older American Consent provided Web 01/11/2016 Closed with explanation Yes Yes 1719842
321886 12/29/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Over the past three weeks I have received at least XXXX robocalls that purport to be from a debt collector. The caller/recording does not identify the person being called. Neither does the recording refer to a particular debt or creditor. " This is a call from a debt collector. Please XXXX. '' My caller ID lists the caller as " Unavailable. '' Due to the huge volume of solicitations and obvious scam calls to my phone ( despite being on the Do Not Call List ), I let calls from unknown callers go to voicemail. I DO NOT HAVE ANY DEBTS THAT WOULD REQUIRE A DEBT COLLECTOR TO CALL ME. PERIOD. Please make this caller stop calling me. Thank you. \n Company can't verify or dispute the facts in the complaint NRA Group, LLC VA 220XX Older American, Servicemember Consent provided Web 01/14/2016 Closed with explanation Yes Yes 1719488
321933 12/14/2015 Debt collection Credit card Disclosure verification of debt Not given enough info to verify debt I requested for a monthly statement from XXXX XXXX to present to verify amount Military Star Card is billing me. No statements were send, but, was informed to pay the amount of {$6100.00}, or the balance unpaid will be turned over to a collection agency.I have never used the Military Star Card since XXXX XXXX, I paid off the Take It Home Card in XXXX XXXX. \n Company believes it acted appropriately as authorized by contract or law Army and Air Force Exchange Service GU 969XX Older American, Servicemember Consent provided Web 12/14/2015 Closed with explanation Yes Yes 1695893
321961 11/16/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt was paid I set up a Home Depot Credit Card, which apparently is serviced by CitiBank, to pay for countertop installation. I have an excellent credit rating, or at least did when I got the card XX/XX/XXXX. I NEVER received the actual card AND when I got a phone call from some company ( I did n't know it was CitiBank then ) claiming to be Home Depot and stating that I was late on a payment, I called Home Depot. The people at Home Depot told me the company had sent my card to a PO Box in XXXX, XXXX that I had CLOSED XX/XX/XXXX when I MOVED to XXXX, XXXX. Home Depot could n't straighten out the problem, could n't tell me why they sent the card to a 15 year old address, and could n't even tell me what was going on. By the way, I had n't had the countertops installed yet and when they were installed, they did it improperly. I went to the Home Depot store in XXXX, XXXX to PAY OFF THE DEBT. The store manager could n't figure out what to do, but I spoke to the CitiBank company via the store 's phones. I CANCELLED THE CARD WHILE IN THE STORE ON XX/XX/XXXX. I tried to pay the ENTIRE debt in full, but the store manager could not figure out how to do that! ( seriously! ) One of the employees said she would " figure out '' how to do it and I could come back the next day and she would " have the bill ready. '' I went back the next day and the store STILL did not have my bill ready to pay and the employees spent 40 minutes trying to figure it out even though I told them to simply refund the money, recharge it and let me pay with a REAL credit card ( XXXX ). Finally, they did just that and I paid the bill in its entirety with a reputable company 's card. I have received collection calls ( documented ) from CitiBank FOR A DEBT THAT HAS BEEN PAID AND CARD THAT WAS CANCELLED on XX/XX/XXXX at XXXX ( XXXX ), XX/XX/XXXX at XXXX and XX/XX/XXXX at XXXX and ( XXXX ). I received one other call from CitiBank for debt collection prior to XXXX ( which prompted my investigation ), but can not find the number and date on my phone. Each time I 've received a call, I 've tried to speak with a representative and the recorded statement is ( something like ) : " I 'm sorry, but we can not respond to your request. '' STOP THESE XXXX! HOME DEPOT WO N'T DO ANYTHING. THE DEBT HAS BEEN PAID IN FULL AND THE CARD WAS CANCELLED!!!!!!! \n Company chooses not to provide a public response Citibank NC 284XX Servicemember Consent provided Web 11/16/2015 Closed with explanation Yes Yes 1656406
322221 12/08/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt resulted from identity theft Cable service was established in XXXX, Pa. using my mother 's I.D ... We have never lived in Pa. We are just now discovering this matter. We received a debt collection notice from a collection agency on behalf of the cable provider. This is truly a case of I.D . fraud. \n Company believes it acted appropriately as authorized by contract or law ERC GA 300XX Older American Consent provided Web 12/11/2015 Closed with non-monetary relief Yes Yes 1687590
322231 12/08/2015 Debt collection Non-federal student loan Communication tactics Frequent or repeated calls Keep calling and they have been told that I am the co-signer and can not pay this loan repeated times and that they need to quit calling and that I am an XXXX year old man living on Social Security. It is affecting my health. Just keep calling and harassing me and telling me that they are going to file a law suit. \n Company believes it acted appropriately as authorized by contract or law Sallie Mae KS 676XX Older American Consent provided Web 12/08/2015 Closed with explanation Yes No 1687610
322267 12/21/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I was hospitalized for a life threatening condition. When I checked into the hospital I provided my VA information and VA card. \n\nWhen I checked out 8 days later I again provided my VA card and information. All bills were to be submitted to the VA within 90 days of discharge. XXXX XXXX XXXX failed to do so and instead waited until late XXXX to submit the bill to the VA. As the VA Voucher was closed after 90 days the VA rejected the bill and informed me that, due to XXXX failure to exercise due diligence in their billing practice neither the VA nor I were liable for the bill. I am a XXXX vet ( service connected ) and live on my Social Security. I have no means to pay a bill that should have been submitted properly to receive payment from the VA. \n Company believes it acted appropriately as authorized by contract or law Credit Management Control, Inc. TX 785XX Older American, Servicemember Consent provided Web 12/23/2015 Closed Yes No 1711361
322451 11/16/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Reference XXXX Investigation Account # XXXX : This alleged debt to XXXX dating back to 2009 has been passed around among collection agencies. Their technique has been to send XXXX letter and when I do n't respond, they report it to the credit bureau. This latest is about the fourth or fifth attempt by different companies. Each time, their report has resulted in a reduction of my XXXX score, which is what alerted me to a problem. After resolution of this last complaint, my XXXX score went from XXXX to XXXX. This is a racket that needs to be stopped. \n Company believes it acted appropriately as authorized by contract or law ERC FL 321XX Servicemember Consent provided Web 11/19/2015 Closed with non-monetary relief Yes No 1658088
322525 11/16/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine The company Bryant and Bryant contacted my wife in an attempt to contact me, but left contact information for me to return my call. The number was XXXX and it was XXXX XXXX. She pointed to a payday loan that I owed through XXXX services, but I have never taken out a payday loan. She was then trying to seek out other information or narrow down who I was, but I gave out no info. This was a very fishy sounding call and resulted in nothing that I know of. \n Company believes it acted appropriately as authorized by contract or law Bryant Bryant & Associates LLC UT 841XX Servicemember Consent provided Web 11/19/2015 Closed with explanation Yes No 1657007
322613 11/16/2015 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Talked to a third party about my debt This is regarding a {$180.00} debt bought from XXXX XXXX. Stellar Collections contacted my father, whom lives XXXX miles away, and whom I have n't lived with in over 13 years and told him the date of the delinquent bill, the full amount, and was asking how to get in touch with me. Subsequently, my family called me and informed me of all of the information, gave me the number to Stellar and said that they wished for me to call. This is outrageous and I also intend to file the issue within the court system here in Oregon. \n Company believes complaint is the result of an isolated error Stellar Recovery Inc. OR 972XX Servicemember Consent provided Web 11/16/2015 Closed with explanation Yes No 1656188
322790 12/15/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine This phone number ( XXXX ) XXXX belongs to Mountain Land Collection Agency in XXXX, Utah keeps calling me several times a week for over a month. It is a recording wanting me to call a number if it is not me or XXXX if it is me. They are asking for me by my first name and middle initial only saying it as through it is just my first name. I am unaware of any debt, do n't I need to be contacted by a company that thinks I owe them something first? I am fearful of calling back to find out what this is about, do n't want to be billed for a fraudulent call. this is a form of harassment! They leave embarrassing massages on my answering machine for my clients and friends to hear, it is ruining my business and my reputation. \n Company chooses not to provide a public response Mountain Land Collections, Inc. UT 846XX Older American Consent provided Web 12/30/2015 Closed with explanation Yes Yes 1697534
322958 12/15/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine these people started calling me on XXXX/XXXX/2015 about an illegal usury interest rate account, that they purchased from XXXX XXXX. XXXX XXXX does not have a license to make these type of transactions in the state of California ... ..I advised them that I will not pay {$900.00} in interest on a six month account and requested their license number..they have not provided it to me. \n Company believes it acted appropriately as authorized by contract or law GVA Holdings, LLC CA 917XX Older American Consent provided Web 12/15/2015 Closed with explanation Yes Yes 1697012
323067 12/30/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Threatened to take legal action I had leased items from USA discounters My apartment got broke into twice and I just got back from XXXX and was XXXX I 'm now XXXX I submitted police reports and inventory and they would threaten me call my chain of command and kept making me make payments on items that where supposed to be covered in the event of theft now its on my credit cause me problems iv got copies of the emails from them \n Company chooses not to provide a public response USA Discounters, Ltd. TN 376XX Servicemember Consent provided Web 01/05/2016 Closed with explanation Yes Yes 1721752
323190 01/21/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Debt can not possibly be mine. During the times that this company is reporting " Date Opened '' and " Date of Status '' I was XXXX in support of XXXX to both the XXXX XXXX XXXX at XXXX XXXX California and XXXX XXXX. I have disputed this account in the past and received no results. \n Company believes the complaint is the result of a misunderstanding Pono Ventures Inc. TX 775XX Servicemember Consent provided Web 01/21/2016 Closed with explanation Yes Yes 1752813
323212 12/16/2015 Debt collection I do not know False statements or representation Attempted to collect wrong amount Received a call that left a voice mail message about PFC Number was XXXX XXXX XXXX. In the message they said to look up online aboutPFC.com No indication of who they were looking for, or what the debt was. Checked my credit report and found there is no negative information on it. Also, I have no unpaid debts. \n\nDoes n't sound like a legitimate debt collection agency at all!!!! \n\nAlso I have received no notices for debt collection. Nothing absolutely nothing in writing. \n\nMade several calls to the number given and always straight to voice mail due to " high call volume '' Seriously? A debt collection agency so busy with people calling in to pay their bills that they ca n't answer the phone? \n\nThis must be a total scam and a fraud. \n\nThis morning I looked up online and there was a local number in the XXXX area code. So I called that and they refused to confirm that they actually knew my name or to tell me what the issue was. I told them to call me back and identify the issue and who they were looking for if they wanted to get it resolved. \n\nThe lady on the phone insisted that I give them personal information over the phone to prove I was the person they were looking for. She said I should call back when I was ready to resolve the issue. Too busy to even call me back? What kind of scam operation is this? \n\nThis is the contact information from the web site : XXXX XXXX : Professional Finance Company , Inc . \nXXXX XXXX XXXX XXXX, CO XXXX CORPORATE OFFICE : Professional Finance Company , Inc . \nXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, CO XXXX GENERAL INQUIRIES : LOCAL : ( XXXX ) XXXX TOLL-FREE : ( XXXX ) XXXX IF YOU OWE A BILL : ( XXXX ) XXXX FAX : ( XXXX ) XXXX OFFICE HOURS : Pay a bill in person : Monday - Friday XXXX XXXX - XXXX XXXX Pay a bill over the phone : Monday - Friday XXXX XXXX - XXXX XXXX \n Company can't verify or dispute the facts in the complaint Professional Finance Company, Inc. CO 805XX Servicemember Consent provided Web 12/16/2015 Closed with explanation Yes No 1706070
323232 12/16/2015 Debt collection I do not know Communication tactics Called outside of 8am-9pm Mohela XXXX has called repeatedly. Finally, on XXXX XXXX, 2015, at XXXX XXXX they called and left a voice mail and I returned their call. They were trying to collect a debt from someone with the same last name. I gave what information I had and asked them not to call me again. Again on XXXX/XXXX/2015 at XXXX XXXX, they called and hung up when I answered. On XXXX XXXX, 2015, I phoned them at XXXX and requested that they refrain from calling me after XXXX XXXX and refrain from calling me at all in reference to the debt which I am not a party to. They informed me that they could do neither without receipt of a " cease and desist '' letter from me. \n Company believes it acted appropriately as authorized by contract or law MOHELA TX 750XX Older American Consent provided Web 12/16/2015 Closed with explanation Yes Yes 1704055
323318 12/16/2015 Debt collection Medical Improper contact or sharing of info Talked to a third party about my debt Had an appointment with XXXX XXXX and was told my insurance covered all work done on that visit. I received a bill for XXXX {$170.00} and continued to dispute with XXXX XXXX. Spoke with a representative at corporate and they were supposed to contact my insurance company and get back to me. Today on XXXX/XXXX/2015 I received a call from a XXXX party debt collector, Budget Control Services. From there I called XXXX XXXX and they are looking back into it. \n Company believes it acted appropriately as authorized by contract or law Budget Control Services, Inc. CO 802XX Servicemember Consent provided Web 12/16/2015 Closed with explanation Yes No 1704307
323336 01/21/2016 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received I am being contacted by debt collection company on behalf of XXXX in the amount of over {$5000.00}. for internet and telephone services. I am a XXXX XXXX XXXX woman who only used the computer to visit XXXX, access my XXXX account and pay bills online. I did not download or stream movies so I can not understand the amount being requested. I requested documentation that would provide me with a better understanding but only received a letter stating I was responsible for the stated amount. I am asking for assistance to help me understand my responsibility and achieve a speedy resolution to this matter. \n Company believes it acted appropriately as authorized by contract or law Credit Bureau of Napa OH 443XX Older American Consent provided Web 01/21/2016 Closed with explanation No Yes 1752009
323343 02/04/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Consumer Collection Services XXXX XXXX XXXX, XXXX, MA XXXX M-F : XXXX - XXXX, Sat : XXXX - XXXX ET XXXX / XXXX + multiple other phone numbers CALL CENTER SUPPORT : XXXX XXXX : XXXX A. ( I 've withheld the name of the debtor ) These people WILL NOT STOP calling me. I have told them repeatedly that I am not the person they are looking for, I do not know him, I have never met him. He does n't live in my home & he does not own the rights to this phone number. \n\nThey are making my life miserable with the non-stop calling. I have reported them to the DO NOT CALL LIST & FTC.gov. \n\nThank you. \n Company can't verify or dispute the facts in the complaint CCS Financial Services, Inc. VA 237XX Older American Consent provided Web 02/04/2016 Closed with explanation Yes Yes 1774296
323361 12/16/2015 Debt collection Medical Improper contact or sharing of info Talked to a third party about my debt Actually XXXX of the above. Our bills through them are medical. A failed XXXX XXXX at XXXX XXXX that totally XXXX my wife. Patient relations understands this and has told me, " just send what you can, when you can. I have documentation, cancelled checks and bank records showing I am making payments, more than I should but, even after advising them NO MORE CALLS, every day they call, some time several times a day. WE had to finally have a block put on our phone. They had called my work office and even advised my supervisor who they were and why they were calling. Disclosing my debt info to her! They even asked for my we whom they know to be XXXX and is not working. Especially at my place of employment. My supervisor can attest to this as they called several times after being told not too. " I make regular payments to these people and they constantly harass us for more, more, more. \n Company believes it acted appropriately as authorized by contract or law AAA Collections SD 575XX Older American Consent provided Web 12/16/2015 Closed with explanation Yes Yes 1698882
323455 02/04/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine XXXX insurance issued a debt for an auto accident that was dismissed in court. Case # XXXX. Attorney XXXX XXXX XXXX Ph/ # XXXX. The collection company is NCS at phone # XXXX. Name of representative is XXXX XXXX and he not only is calling numbers not associated with me but after providing him with attorney information and verbally explaining him to cease and desist he continues to make harassing calls. \n Company believes it acted appropriately as authorized by contract or law National Commercial Services, Inc OH 452XX Servicemember Consent provided Web 02/04/2016 Closed with explanation Yes Yes 1773431
323465 01/22/2016 Debt collection Credit card Disclosure verification of debt Not given enough info to verify debt I have been receiving collection letter from mandarich law group for over four years trying collect on a debt that I do not believe is mine and even if it was mine statue of limitation on it has passed. even though I have been asking for debt validation on this account I have not been receiving no information on it. Also every time I look at my credit report I see illegal credit inquiry by mandrich law firm. What mandrich law firm is doing harassing me by their tactics to lower my credit score. \n Company chooses not to provide a public response Mandarich Law Group, LLP CA 950XX Older American Consent provided Web 01/22/2016 Closed with explanation Yes Yes 1752697
323521 12/31/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Never had a XXXX Account!, Never signed for anything, Have requested that in accordance to the provisions of the Fair Credit Report Act. 611 ( a ) [ 15USC 1681 I ( a ), these disputed items must be reinvestigated or deleted from my credit record within 30 days. \nI have contacted this collection firm, through email and postal mail. \nHave contacted XXXX complaint filed. \n Company disputes the facts presented in the complaint Kenneth, Eisen & Associates, Ltd. AZ 850XX Servicemember Consent provided Web 12/31/2015 Closed with explanation Yes Yes 1724078
323593 01/22/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Sunrise Credit Services keeps calling me on my cell about a XXXX XXXX XXXX XXXX account that I do not have. They are trying to get me to pay money on an account I do not have. I 'm not sure how they got my information. \n Company chooses not to provide a public response Sunrise Credit Services Inc. GA 302XX Servicemember Consent provided Web 01/22/2016 Closed with explanation Yes Yes 1753692
323622 01/15/2016 Debt collection Credit card Disclosure verification of debt Right to dispute notice not received The collection agency of Frederick J. Hanna and Associates are currently garnishing my wages on a debt that I believe I do not owe. In 2015, the firm submitted a garnishment order to my employer without any contact with me. I have made numerous attempts to contact the firm and was only successful once. On that conversation I was told that by a representative that he could n't provide me any information. I am attempting to obtain any information on the debt but so far I have n't been able to. I have never been served with any documents regarding the debt. Have never had a day in court to question the debt. The first I heard of the debt was from my employer when the first garnishment started. It appears that this situation/garnishment could possibly continue for many years. I would greatly appreciate any help that you can provide. \n Company believes it acted appropriately as authorized by contract or law Frederick J. Hanna & Associates, P.C. GA 302XX Servicemember Consent provided Web 01/15/2016 Closed with explanation Yes Yes 1743884
323649 02/04/2016 Debt collection Credit card Taking/threatening an illegal action Attempted to/Collected exempt funds I became behind on my Military Star Card when my Fianc got XXXX from the military and I lost my job due to being laid off in XXXX XXXX. I was notified after filing my taxes in XXXX XXXX that they would be taking all XXXX of my federal tax refund dollars. After contacting the Treasury office, they told me that the only people who can stop this is the creditor themselves. I reached out to the creditor twice trying to make arrangements as well as file for a hardship. They insisted that they could n't help or withdraw the information from the debt until its paid. Basically telling me they can and will take all the money they can. They also told me that filing for a hardship would take about 30-45 days. When i requested to speak to a supervisor i was placed on hold by XXXX different agents many times. I was given a non-working number and told to call the supervisor and leave my name and number, and they will get back to me as soon as possible within 24 hours. The number I was given for the supervisor is XXXX. I explained my hardship of not being able to pay my rent or utilities, as well as having XXXX children. They did n't care and said sorry this is your debt and we will do what is needed to collect but if you like you can set up a payment ed for the remainder of the balance after we take the refund. How am I to pay that money if I can not even pay my normal bills due to them taking my refund. \n Company believes it acted appropriately as authorized by contract or law Army and Air Force Exchange Service VA 225XX Servicemember Consent provided Web 02/04/2016 Closed with explanation Yes Yes 1774097
323657 01/22/2016 Debt collection Mortgage Cont'd attempts collect debt not owed Debt is not mine The Fair Collections and Outsourcing is reporting fraudulant information on my credit reports, transunion, experian, equifax ... The original creditor is XXXX XXXX XXXX XXXX, where I lived ... I eventually had to leave the premises due to a non-liveable apartment ... The first incident was a large water leak that ruined my bedroom furniture ... The leak created mold in the walls and on my carpet in the bedroom and bathroom ... I reported this to XXXX XXXX and it took almost 2 weeks before the maintenance men to deal with the problem ... A large fan was placed in the bedroom to deal with the leak, however, a mess was made, my furniture ruined, and the fan was so noisy I had to vacate the apartment for several weeks until it was fixed ... After several weeks, the management at XXXX XXXX was notified by me, and the regional manager agreed to discuss moving me to another apartment at XXXX XXXX if further problems should arise ... The Regional Manager XXXX, showed up and hour late for our meeting ... I explained to her that the mold, and huge leak was n't the only problems in the apartment ... Cold water, after a new water heater was put in, ants in the kitchen on a daily basis ... Ants in the refrigerator, bugs in the window ceils, bathroom and tub areas ... MOLD ... Window Problems, Washer and Dry Problems, Maintenance Men dumping the lint traps in front of my apartment as well as the Neighbors apartments ... Eventually, the maintenance men and the exterminator were in my apartment on a weekly basis ... .I put in a 30 day Notice to Vacate the Apartment Complex due to non-livable conditions .... \n Company chooses not to provide a public response FAIR COLLECTIONS & OUTSOURCING, INC. IN 462XX Servicemember Consent provided Web 01/22/2016 Closed with explanation Yes Yes 1753567
323677 01/22/2016 Debt collection Auto Cont'd attempts collect debt not owed Debt is not mine I received a second notice from a law firm in XXXX alleging that I owe the XXXX XXXX # XXXX for non-payment of a road toll. In the second notice they say I did not respond to the first notice, when in fact I did respond to their first notice. In my written response I told them the debt was not mine and explained why I did not think so. I also called the collectors to explain but they insisted that I provide proof. \n\nDo I have the burden of proving their allegations are false before they will stop their proceedings? I live in the XXXX XXXX XXXX XXXX. This is a toll for a roadway near XXXX. No car I own has been close to it. \n Company believes it acted appropriately as authorized by contract or law Linebarger Goggan Blair & Sampson, LLP CA 945XX Older American Consent provided Web 01/22/2016 Closed with explanation Yes Yes 1754444
323878 01/22/2016 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Frequent or repeated calls The company ( Southwest Credit Systems ) calls constantly about a debt that they calim that I owe. I asked them to stop calling my cell phone and to conduct any further inquiries using the mail. They continue to call and I have spoken to them an addition two times and the last time I specifically told them never to call me again. They continue to call and it is interfering with my job. I 'm not sure if it is important, but i am also registered on the Do Not Call Registry and have been there for approximately 6 months. \n Company believes it acted appropriately as authorized by contract or law Southwest Credit Systems, L.P. MI 483XX Servicemember Consent provided Web 01/22/2016 Closed No Yes 1754585
323961 01/23/2016 Debt collection Medical Communication tactics Used obscene/profane/abusive language I learned about this collection agency debt thru my credit report. I received absolutely no prior mail with notice to try to resolve any matter. I looked up the phone number and called them. The person I spoke to was extremely rude from the beginning! He was yelling over the phone and interrupting me before I finish speaking, then HE hung up on me! Very unprofessional and did n't even get anywhere because as I said, he hung up the phone. Did n't even give me his name. I sent them a letter to try and settle the account even tho I truly believed this account was already paid. ( It had previously been in my credit report along with others, I made payments to a collection agency and they removed them all including this same charge. So I thought it was paid ) I still have n't received a response. This is affecting my credit score very negatively. \n Company believes it acted appropriately as authorized by contract or law Phoenix Financial Services LLC IL 610XX Servicemember Consent provided Web 01/23/2016 Closed with explanation Yes Yes 1755163
323986 01/09/2016 Debt collection Medical Disclosure verification of debt Right to dispute notice not received I am filing a complaint against XXXX XXXX XXXX in XXXX, FL. I had XXXX there XX/XX/XXXX & XX/XX/XXXX ; my co-pay was {$500.00}, I paid {$230.00} on XX/XX/XXXX. I spoke with XXXX, Supervisor in Billing Dept in XX/XX/XXXX to advise her that I needed an itemized list of charges as well as informing her I would need a payment plan to pay balance of co-pay as I am on Social Security with no other income to assist me with unexpected expenses. I am lucky I had the {$230.00} saved up. They offered me a payment plan of {$25.00} per month, I said with the other medical bills ( XXXX , Dr 's co-pays, etc ) I would only be able to pay {$10.00} per month until I pay the other medical bills off then I would be able to pay more. She gave me a verbal ok on the {$10.00} per month. This week I get a collection letter from Gulf Coast Collections. I do n't understand how medical facilities can not work with you when knowing your financial situation. I realize they have 'policies in place ' but there are circumstances that the consumer just can not meet these strict guidelines. Plus when I had a verbal ( phone conversation ) that it was ok to pay the {$10.00} per month, they had no right to turn acct over to collections. I am hereby writing to the Administrator of the hospital also venting my frustration about their policies. I also have never received a statement of charges for the amount of my co-pay or showing that I paid the {$230.00} towards my co-pay. ( I do have a receipt showing I paid the day of the XXXX, but I should have received a statement showing total charges, balance due and any paid amount ( s ). \n Company believes it acted appropriately as authorized by contract or law Gulf Coast Collection Bureau, Inc. FL 335XX Older American Consent provided Web 01/09/2016 Closed with explanation Yes Yes 1735035
324081 12/24/2015 Debt collection Payday loan False statements or representation Impersonated an attorney or official I received a call from " Oracle Financial Group '' at number XXXX, on XXXX XXXX, XXXX I, spoke with XXXX XXXX she said I owe {$600.00} for a payday loan I took out in XXXX. XXXX XXXX said I would be given time to research my debt, I told her I did n't owe a payday loan, then she gave me a number XXXX to " XXXX XXXX, '' whom she said passed the loan to her company and would have info on the original loan. The next day, I called XXXX back because that number did not work. I asked to speak with the manager and spoke to XXXX XXXX, I was told that paperwork had been processed and, I would be given a court date by the next day if I did n't settle the dispute for {$500.00} that day. I repeatedly asked how is this being processed so fast as, I was just made aware of the situation the day before, and was told I would be given time to research the loan. I was given another number at XXXX to call to see whom I owed a payday loan to. I called, and got a voice recording that I was contacting the " XXXX XXXX XXXX XXXX '' and, after entering my social I was given the message " Sorry we can not locate any records. '' I then called Oracle Financial Group and went back and forth with XXXX XXXX for about XXXX minutes as to why I did n't owe a payday loan. XXXX XXXX then called me from number XXXX, she claimed I owed the payday loan and had to pay now because they were closing or else there would be consequences, we were on the phone for another XXXX minutes. I also complained to XXXX XXXX that I had received no notice until the day before and I was brushed off, she kept stating she has no idea where the loan came from and, now that it 's in her hands I had to pay that day or I was going to court. I was bullied into paying {$500.00} on XXXX XXXX, XXXX, over the phone in order to avoid a court date. I then complained to XXXX XXXX that she may be hearing from a lawyer and, that I will be looking into getting my money back because what she was doing was wrong and I do n't owe on a loan, she stated " Oh no, '' in a sarcastic tone and that was the end of our conversation. I received general information about the transaction from XXXX XXXX but I was told I would receive an official receipt in my email from " payscout '' and, that I was to sign it to make it official then email it back. I never received a receipt from her so I emailed her on XXXX XXXX, XXXX asking for the receipt and I still never received anything. I 'm in the military and go away sometime, so I checked at my old and new address to see if I may have received a warning letter about paying the payday loan, but after I had time to research I found I had received no notice. I went further and requested bank statements from XXXX from my bank, which took a while, but when I got them I found I never took out a payday loan in XXXX. I 've taken out XXXX payday loan in my life and that was in XXXX for {$200.00} with XXXX and that bank statement is attached and highlighted showing it was paid off. I have links attached supporting that Oracle Financial Group is a scam. I also have all of my bank statements from XXXX showing I did not take out a payday loan that year and, statements from XXXX XXXX, XXXX where I paid Oracle Financial Group, attached. I also have the email exchanges between me and XXXX XXXX, as well as, records of the phone calls I had with Oracle Financial Group and, my attempts to contact Money Management, the phone numbers are underlined, attached. As I understand all of my consumer rights were violated under the Fair Debt Collection Practices Act. Section, 809. I was never given official warnings, therefore I was not given 30 days to dispute the debt, I was not given the name of a real creditor I owed to and, the collection was not an actual debt I owed. \n Company chooses not to provide a public response Oracle Financial Group LLC. RI 028XX Servicemember Consent provided Web 12/24/2015 Closed with explanation Yes Yes 1716445
324129 12/24/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine This XXXX XXXX has been calling my daughters telephone number leaving many messages to call this person I do not know who these people are and the purpose of their continuous calls. Please have them remove my name from their database i.e. robocalling. \n Company believes it acted appropriately as authorized by contract or law Nationwide Debt Management Solutions, LLC CA 917XX Older American Consent provided Web 12/24/2015 Closed with explanation No Yes 1715012
324374 12/25/2015 Debt collection Medical Disclosure verification of debt Right to dispute notice not received I went to the doctor for a medical condition with XXXX. I completed all of the necessary paperwork and the doctor 's office filed a claim on my behalf which was supposed to have been sent to the insurance company ( XXXX ). I never heard anything back from the doctor 's office after that nor did I get any information from the insurance company stating that I owed any money. Shortly after that visit I moved to a new address and never received a bill from the insurance company or the doctor. About one year later, I was checking my credit reports and I find XXXX entries of collection on my reports. XXXX was from PDQ Services Inc and the other was from XXXX but with the PDQ Services address and information. I immediately called the doctor office and was told that there was nothing they could do and that I would have to call PDQ. I immediately called PDQ and offered to pay the bill in order to get it off of my credit reports as I did n't want my credit tarnished from a {$230.00} bill. PDQ was paid via credit card online. After that I still noticed that PDQ had the information on my credit report and I told them that I thought this violated my privacy rights and HIPAA as it showed my potential medical condition. I asked that the entire credit line be removed from my reports as it was paid and served no purpose based on the fact that I never received a notice of a bill. Neither PDQ, XXXX or the credit reporting agencies wanted to listen to my plea. I honestly feel that I have been taken advantage of and become a victim of shoddy medical collection practices. I also think that the doctor never attempted to contact me as this could have easily been paid in the early stages if only I had been contacted. I asked the credit reporting agencies to verify the methods and they basically gave me a nonchalant answer. They claimed to have verified the collection but could n't have as PDQ and the doctor sent me a letter stating that they were not going to address my complaint. Everyone ignored my pleas after I paid the account and all they wanted was their money. They had no concern for my rights as a citizen. The credit reporting agency says that they mask reports when sending out medical information but I am inclined to disagree as I see poor reporting from them each time I look at my credit reports now. PDQ does not bargain in good faith and should have never had my medical information in the first place as they have no business associate agreement with the doctor. I asked for this but it was never given which leads me to believe that they are handling sensitive information without a need. I asked them to verify the debt after the fact and they only sent me a letter stating that the debt had been paid in full. All in all, this has been one unpleasant situation to be in as a result of a {$230.00} medical collection debt. \n Company believes it acted appropriately as authorized by contract or law PDQ Services, Inc. GA 305XX Older American, Servicemember Consent provided Web 12/25/2015 Closed with explanation Yes Yes 1716905
324376 12/25/2015 Debt collection Medical False statements or representation Attempted to collect wrong amount This is a continued filing of complaint XXXX against PDQ Services Inc. I would also like to file the complaint against the credit reporting agencies as well. It appears that they do not verify information submitted to them or requested to be investigated by the consumer. They accept mediocre statements from collectors with no real intent in site. The credit reporting agencies allowed PDQ Services to report information of a medical nature which invaded my privacy even though they said that they did n't and I have reason to believe otherwise. \n Company believes it acted appropriately as authorized by contract or law PDQ Services, Inc. GA 305XX Older American, Servicemember Consent provided Web 12/30/2015 Closed with explanation Yes Yes 1716928
324535 02/06/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid I am contacting you concerning a collection account through Escallate , Inc. listed on my credit bureau reports. This account was paid on XXXX/XXXX/2016 and when I spoke with the customer service representative they stated they would deleted this trade line from all XXXX of my credit bureau reports, but yet for whatever reason it still remains even after SEVERAL attempts to dispute the information. Below is what is stated on my credit report as of XX/XX/XXXX : Escallate , LLC ; Collection Reported XXXX ; Assigned XXXX ; XXXX ; XXXX XXXX XXXX ; Amount {$830.00} ; Status as of XXXX Unpaid ; Date of XXXX Delinquency XXXX ; Balance as of XXXX {$830.00} ; Individual Account ; Account # XXXX ; ADDITIONAL INFORMATION Consumer Disputes This Account Information ; Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX : ( XXXX ) XXXX As stated as part of paying on this account I was promised this account would be taken off my credit bureau reports and I am expecting this agency as a business to do so, they put the negative information on my report, I paid the collection and they have the power to take it off. \n Company chooses not to provide a public response Escallate, LLC SC 297XX Servicemember Consent provided Web 02/06/2016 Closed with explanation Yes Yes 1776260
324616 02/07/2016 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount I am a XXXX XXXX customer. \n\nThis is regarding an early termination fee demand of {$200.00} by the Attorney of XXXX XXXX for de-activating and/or early termination of service from XXXX XXXX. \n\nOn XXXX XXXX, XXXX, I bought an XXXX phone from XXXX XXXX, XXXX XXXX, XXXX, VA XXXX for {$49.00} ( Carrier : XXXX XXXX ). \n\nHowever, on XXXX XXXX, XXXX, I went out the country and de-activated the phone and paid the balance amount in full to XXXX. When I returned from abroad, I again re-opened my XXXX XXXX account ( Account No : XXXX ). \n\nWhen I bought the devicep/phone originally, I asked the sales person to clearly state and write the cancellation/termination policy and fees because consumers normally do not read several pages of agreements in fine/small prints. \n\nHe told me that I have a no-contract service ( XXXX ) with XXXX and that I can terminate the service at any time by paying the full amount of the device/phone. \n\nOn XXXX XXXX, XXXX, I received a letter from Aldous & Associates , PLLC, XXXX XXXX, XXXX, UT XXXX, asking me to pay {$200.00} for cancellation of my service with XXXX. \n\nI did not sign this agreement that I would pay {$200.00} to XXXX XXXX for early cancellation of service from XXXX. The sales person never told me that I have to pay this amount. My daughter, who was with me, is the witness. \n\nIf I knew there was an early termination fee of {$200.00} due to XXXX XXXX, I would not have bought the phone and enrolled in XXXX 's XXXX program, which is a " no-contract '' service by which the customers could terminate/cancel their service at any time. \n\nSince I did not sign a contract to pay {$200.00}, and since the sales person of XXXX XXXX did not disclose about the early penalty of {$200.00} to XXXX XXXX, I do not owe any money to XXXX XXXX. \n\nXXXX XXXX must be instructed to train its employees to clearly instruct the customers that they would have to pay {$200.00} early termination fee to XXXX XXXX for early termination of service from XXXX, even if they have a no-contract ( XXXX ) service with XXXX, so that XXXX would not defraud the customers. \n Company believes it acted appropriately as authorized by contract or law Aldous & Associates, PLLC TX 774XX Older American Consent provided Web 02/07/2016 Closed with explanation Yes Yes 1776704
324816 02/08/2016 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount I am filling a formal complaint against Columbia Recovery Group L.L.C, in the amount of a Default Judgment against me. Columbia Recovery Group, and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX used unethical, and illegal tactics to collecting an overly inflated alleged debt out of retaliation violating the Federal Fair Debt Collection Practice Act, in a period of XXXX months before even reaching court for a Default Judgment Columbia Recovery Group, along with XXXX XXXX XXXX on-site manager XXXX XXXX revised, and inflated the alleged debt to submit into court making the Default Judgment almost double the original debt. I have attached these documents showing the amounts, and how over four months they had increased, and also a revised collection statement, these documents are in order with chronological order by dates, and exhibit letters with a brief description on this page. \n Company believes it acted appropriately as authorized by contract or law Columbia Recovery Group LLC WA 980XX Servicemember Consent provided Web 02/08/2016 Closed with explanation Yes Yes 1778621
324987 02/22/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid Military spouse stationed in XXXX XXXX. Had cell phone. Account closed in XXXX when departed back to state side with military orders on XXXX/XXXX/XXXX. Suddenly I am two months overdue on this phone bill as of XXXX XXXX. Stating that the act. is open and I owe XXXX. Tried contacting the company. Phones are out of order. No way to communicate with them however, lost XXXX points on my XXXX score for an act that was closed almost 3 years ago. Orien is the name of the company. \n Company disputes the facts presented in the complaint Orions Management Group, LLC NY 136XX Servicemember Consent provided Web 02/22/2016 Closed Yes Yes 1796797
325281 02/02/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid Rev MD Partners is continuing to send me a bill for {$1700.00}, that I have paid. Rev MD sold this bill to XXXX XXXX , XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX United States. I have already reported this to the CFPB case number XXXX. I have told Rev MD Partners that this has been paid and they continue to send me a bill and call me. The contact info for Rev MD Partners XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone XXXX \n Company believes it acted appropriately as authorized by contract or law RevMD Partners, LLC. CA 951XX Older American Consent provided Web 02/02/2016 Closed with explanation Yes Yes 1768843
325628 01/28/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I have been contacted numerous times and continued to be harassed by by telephone by a company called " Enhanced Recovery Company , LLC '' concerning a debt owed by someone else. I have informed them that they have the wrong telephone number and wrong person, but they continue to harass me at all time of the day by telephone robo-calls. \n Company believes it acted appropriately as authorized by contract or law ERC PA 189XX Older American Consent provided Web 01/28/2016 Closed with non-monetary relief Yes Yes 1763448
326056 02/23/2016 Payday loan Payday loan Can't contact lender Can't contact lender Advertisement from lender below / Waving balance of loan for on time payments ... .Various Text Messages Received I fwd e-mails following up to lender as well additionally called but they do n't reply. \nThis appears/apparently to be a scheme to continue monthly payments. \nMost recent i called to speak with a manger about the matter. The gentleman claims to be be a relationship manger stated he would have a manager call he knew nothing about the text. It have not happened of yet. Today I received a e-mail from : XXXX Relationship Manager.. I called immediately and they claim she was not in to review the matter. \nText received : ( Spotloan ) Nice job making your 2nd payment! If you make the next 2 payments, you may get the rest of the loan forgiven! Reply STOP to opt out of texts. \nReply - Wow cool!!! \nAll Text and e-mails are saved for review. \n Company believes complaint is the result of an isolated error BlueChip Financial LA 700XX Servicemember Consent provided Web 02/28/2016 Closed with explanation No No 1801614
326093 02/26/2016 Payday loan Payday loan Can't stop charges to bank account Can't stop charges to bank account XXXX/XXXX/16 EFT-SPOTLOAN/8886816811 ( {$96.00} ) in connection to complaint made under Case number : XXXX ]. A requested was made for Spotloan to process full pymt of balance. \nThey draft only the minimum again. They used a method for me to believie they will waive the balance due as a good customer. It was a marketing tacit for monthly payments. I requested spotloan via e-mail to draft the full balance to have them stop drafting my account with interest and fees. This process only get them ungodly interest and fees not going towards the loan. The request was not process drafting only the min due. e-mail forward to : From : Help at Spotloan XXXX Sent : Tuesday, XXXX XXXX, 2016 XXXX XXXX " Request to post full balance of due ASAP, stop with the text procrastinating with the text. Process full payment due '' \n Company believes complaint is the result of an isolated error BlueChip Financial LA 700XX Servicemember Consent provided Web 02/28/2016 Closed with explanation No No 1807103
326203 02/28/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine 1 ) I ordered TV service from XXXX XXXX in XX/XX/XXXX and switched to XXXX on XX/XX/XXXX. I never signed a contract with XXXX stating I must stay with them for two years. Their service man came, installed the equipment and I signed a paper to attest that I received the equipment. I returned all the equipment according to their request. XXXX XXXX started to send me invoice wanting me to pay them a termination fee of {$250.00} for the following one year and I refused to pay. They eventually turned it over to the collection agency ( XXXX XXXX XXXXXXXX XXXX ) 2 ) My family and I rented a XXXX BR apartment when we first returned to the US from XXXX in XX/XX/XXXX from XXXX XXXX XXXX at XXXX XXXX XXXX ( XXXX ), XXXX XXXX, MO. It was a 35 year old bldg. We bought a house and moved out XX/XX/XXXX. During our stay, the refrigerator door needed fixing, the kitchen sink backed up and blooding the kitchen and finally the ceiling over the bath tub fell down ( XXXX ) because the bath rm above us leaked water which collected on top of our collapsed ceiling. Our family consisted of me, my wife and an XXXX year old daughter. We did not have any pet and we we are very considerate professionals. When we moved out, the property management did not return our deposit of {$250.00}. Not only that, a month later, sent us a bill of {$800.00} for replacement of the carpet which had normal wear and tear. They never showed me any pictures of the carpet or asked me if I would pay for it. Six months later, I started getting letters from the collection agency ( Consumer Collection, MN XXXX ) \n Company believes it acted appropriately as authorized by contract or law Consumer Collection Management. Inc MO 631XX Older American Consent provided Web 03/02/2016 Closed with explanation No No 1807400
326244 03/13/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid FBCS INC XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Sent me a letter stating they were collecting on behalf of XXXX XXXX XXXX. I checked my credit report and it didnt show anything related to what they were trying to collect for. They dug up an old debt that had already been settled and they are trying to trick people into paying old debts. \n\nThey are sending out letters to people \n Company believes it acted appropriately as authorized by contract or law Financial Business and Consumer Solutions. OR 972XX Servicemember Consent provided Web 03/13/2016 Closed with explanation Yes No 1829397
326556 01/14/2016 Debt collection Payday loan Taking/threatening an illegal action Threatened to sue on too old debt Rpm or Receivables Performance Management called my mom to get in contact with me over a payday loan they stated I owed on. When I called to find out who they were and to get information I was informed that I owed {$300.00} dollars and the funds were deposited into XXXX XXXX. I have never had XXXX. I then told the lady that the only payday debt I had I already paid off. She basically called me a liar and said I could be taken to court. I have not gotten another payday loan besides the one I paid off in over XXXX years so I do n't understand why I am being harassed now. I also do not appreciate them calling my work and my parents and stating they are a debt collector. When I asked for my account information she would not give it to me. \n Company chooses not to provide a public response Receivables Performance Management LLC CA 956XX Servicemember Consent provided Web 01/14/2016 Closed with explanation Yes No 1742230
326637 10/03/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I recently relocated and during my relocating, I have been made aware that I have a fraudulent debt on my credit report from Financial Management Solutions LLC ( FMS ) located at XXXX XXXX XXXX XXXX XXXX, MD XXXX for {$1300.00}. They are claiming this debt was acquired from money owed to a rental management company called XXXX XXXX that went into default XXXX. I did not move into the property until XXXX/XXXX/XXXX and when I moved in XXXX, my lease was well expired, I was up to date with my rent payments and had a good walk through and relationship with the management company. I never received any outstanding bill, phone calls, etc in regards to any outstanding debt. I do not owe XXXX anything and when I called XXXX XXXX to inquire about this debt, I was told " I do n't know what you 're talking about, you do n't owe us anything ''. I sent a letter on XXXX/XXXX/XXXX to FMS requesting a validation of debt to and as of XXXX/XXXX/XXXX, have received no response. In the meantime, this debt is on my credit report and is affecting my ability to support my family. I have been in the process of hiring an attorney ( XXXX XXXX XXXX ) in this matter and will update with more information once it has been received. \n Company believes it acted appropriately as authorized by contract or law Financial Management Solutions MD 217XX Servicemember Consent provided Web 10/03/2015 Closed with explanation Yes No 1591597
326638 03/01/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Canceled service due price increase, that was not part of contract \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Credence Resource Management, LLC VA 226XX Older American Consent provided Web 03/01/2016 Closed with non-monetary relief Yes No 1810693
326677 03/04/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I received harassing phone calls from a debt collector by the name of " Eastern Account Systems '' based out of Connecticut trying to collect on an overdue account for " XXXX XXXX ''. It appears that XXXX gave out my personal information to this collection agency in an attempt to " phish '' for someone else 's delinquent accounts because we have a similar last name ( similar in last name ONLY! ) I 'm FURIOUS about this because for one - I did not authorize " Charter '' to release my personal information to ANYONE, and for two - they did not have " Just Cause '' to release my information. I want to know why this happened, and make sure that both of these Companies behave in a more professional manner by using accurate information - Also that they are not pursuing the wrong individual! \n Company believes it acted appropriately as authorized by contract or law Eastern Account Systems of Connecticut, Inc. NV 894XX Servicemember Consent provided Web 03/08/2016 Closed with explanation Yes Yes 1817081
326687 02/10/2016 Debt collection Payday loan False statements or representation Impersonated an attorney or official Was recenty contacted by several family members stating that they were contacted by XXXX XXXX @ XXXX Case # XXXX. That is fine to locate me but it was disclosed that they were trying to collect a debt, and gave my banking information. To another family member they represented themselves as attorneys, and that they needed a statement for a pending judgement case. To my understanding both of these are violations of the FDCPA, and I would like to know what can be done about it. I am not saying the debt is not mine, but I am not sure if a law has been broken here, I need to know what recourse I have in protecting myself. I mean if I give them my payment information whose to say they do not take more than I owe if they are willing to break the law to try and contact me. \n Company can't verify or dispute the facts in the complaint Check Security Associates, LLC CA 925XX Servicemember Consent provided Web 02/10/2016 Closed with explanation No No 1780484
326825 01/08/2016 Debt collection Credit card Disclosure verification of debt Not given enough info to verify debt A collection agency named " XXXX XXXX XXXX " is reporting inaccurate information on a monthly basis about an old credit card debt that was written off XX/XX/XXXX. This was " sold '' twice with " XXXX '' acquiring XX/XX/XXXX. I sent them a certified letter of which they responded. They still report that this was " Opened '' XX/XX/XXXX. This is an attempt to injure my credit for years to come. This practice could go on for a lifetime. \n Company chooses not to provide a public response Bank of America FL 330XX Older American Consent provided Web 01/08/2016 Closed with explanation Yes No 1734360
326982 02/25/2016 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Contacted employer after asked not to XXXX XXXX is with RAB, Inc. Collection Agency representing DWR construction comp. He first contacted me on XXXX/XXXX/2016 and indicated they would auction the contents of my home and/or garnish wages to collect the award judgement. Despite having my contact information, he e-mailed and telephoned numerous individuals at work indicated he was " trying to reach me '' regarding a dept collection. He 's also made several threatening calls to my parents ( in their late XXXX ). XXXX XXXX continues to call my office telephone number despite being told not to contact me at work. He knows I 'm consulting with an attorney. \n Company believes the complaint is the result of a misunderstanding RAB, INC. TX 773XX Servicemember Consent provided Web 02/25/2016 Closed with explanation Yes No 1803943
327037 03/08/2016 Debt collection Medical Disclosure verification of debt Right to dispute notice not received Had lab work done at doctors office. XXXX XXXX lab did not bill ins co. I have complete coverage. Sent my bills to incorrect address. Never received bills. They did not attempt to get right address. Put bill into collection. American Medical Collections never contacted me at my correct address but attached this debt to my credit report which was flawless. XXXX Notified them the debt was in error but the collection agency will not take it off my credit report for 45 days. This has significantly lowered my score. XXXX will not send me a letter that they made error sending to Collections. \n Company believes it acted appropriately as authorized by contract or law Retrieval-Masters Creditors Bureau, Inc. NY 117XX Older American Consent provided Web 03/11/2016 Closed with explanation Yes No 1823057
327065 12/03/2015 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect I contacted the lender at Advance America and let her know about my financial hardship situation. She processed the court papers and had a third party call my uncle and my friend about getting the papers processed. I have stayed in contact with them about my loans. I keep getting harassing phone calls from them more than one a month. my uncle, mom and friend recieve phone calls from a third party in Texas for Advance America. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Advance America, Cash Advance Centers, Inc. TN 374XX Servicemember Consent provided Web 12/03/2015 Closed with explanation Yes No 1682329
327072 02/28/2016 Debt collection Credit card Communication tactics Used obscene/profane/abusive language In XXXX XXXX I retired. I invested {$200000.00} XXXX XXXX. The investment went sideways due to fraud in late XXXX. In XXXX I was in poor financial condition and started job hunting ; I was hired by the Utah XXXX XXXX XXXX XXXX. At that time I retained " XXXX XXXX '' to try and clean up my debts without filing bankruptcy and began paying so much a month ( {$780.00} ) to build up an account to pay the debts and legal fees. We had progressed well and settled a portion of the debts I had incurred. In XXXX XXXX I XXXX at work ( XXXX reduced income to XXXX ) and was out until XXXX XXXX. In XXXX XXXX we started hearing from XXXX XXXX XXXX ( XXXX ) through the XXXX Court of Utah and XXXX XXXX XXXX. For every submittal by XXXX, XXXX XXXX countered with their own court submittal. This went back and forth XXXX 5 times until XXXX with several conversations of settlement. XXXX was very abrasive and cursed at the XXXX XXXX people trying to settle the case, he would not settle. Somewhere in near the end of XXXX XXXX ( lied, said I never responded to the court ) ) convinced or bought this judge to put a judgement in on me, without my day in court and any arbitration. Per the contract I was to have my arbitration and a day in court. XXXX told XXXX XXXX that I no longer had a contract because these carpet baggers had bought this debt so they were no longer responsible for the stipulations of the contract. In XXXX XXXX XXXX XXXX XXXX XXXX tried again to settle and offered everything I had in the account ( {$11000.00} ) they said no and cursed them out again and said they want it all. In the same month we submitted paperwork to XXXX XXXX XXXX and XXXX but XXXX did n't even respond, he ignored XXXX arbitrations attempts. XXXX XXXX I found out they had garnished my pay check at XXXX but also my Utah XXXX tax return was taken. In XXXX the tax return was a {$3200.00} ( a write off because of the XXXX loss ), so they have garnished approximately {$7500.00} in XXXX XXXX they will take approximately {$9000.00} but not State tax return because the oil relief is over and now I owe money this year. In XXXX XXXX XXXX XXXX was shut down and investigated by Fed 's for taking to much in fees up front and additional fees throughout each settlement process. Now the garnishing continues my money is tied up ( to settle ) at XXXX XXXX and I still have a corrupt lawyer and Judge to contend with day in day out. I had an original amount of {$20000.00}. The oil fraud was turned over to the Utah XXXX and determined they were fraudulent and I filed an additional complaint against XXXX XXXX after finding they had over charged everyone beyond the normal fee structure. The only thing I know is lawyers are created to prey on other peoples misfortunes and make them pay and pay whether or not they say they are on your side. I have all the documentation sent to me and everything I submitted in return. I also have the court records that show no notice of a hearing and no chance to arbitrate a settlement, I 'm discussed. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Constantino Law Office, P.C. UT 841XX Older American, Servicemember Consent provided Web 03/01/2016 Closed Yes Yes 1807681
327286 03/10/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I closed an account with XXXX XXXX of Ohio on XXXX XXXX XXXX, when I sold a house. I disputed the final gas bill and on XXXX XXXX XXXX received a final bill for {$39.00} which I paid on XXXX XXXX XXXX. On XXXX XXXX XXXX I received a notice from XXXX Special Accounts Department ( XXXX ) notifying me that the previously disputed {$26.00} was owed. I contacted that office and informed them that I had received and paid a final bill totaling {$39.00} and after speaking with a supervisor XXXX agreed the notice was in error. Today XXXX XXXX XXXX I received via XXXX mail, a notice from Affiliated Credit Services stating my previous account with XXXX XXXX was in collections and that I owed {$26.00} on the account. The notice stated I was to contact XXXX XXXX at XXXX to arrange payment. I called XXXX Special Accounts Department immediately to find out why this had happened. This department claimed they had no record of any contact with me prior to today. I 'm unsure if the notice from Affiliated Credit Service is legit or not. If it is legit then it seems apparent to me that XXXX left hand does not know what it 's right hand is doing. I have had no luck in dealing with XXXX XXXX even after paying their final bill in full. Perhaps you folks can get to the bottom of this. I can only imagine what this must be like for some elderly person to go through all this harassment. \n Company believes it acted appropriately as authorized by contract or law The Affiliated Group, Inc OH 442XX Servicemember Consent provided Web 03/10/2016 Closed with non-monetary relief Yes No 1826032
327412 02/24/2016 Debt collection I do not know Disclosure verification of debt Not given enough info to verify debt I wrote a letter 30 days ago demanding legal validation. XXXX has ignored me. \n Company believes it acted appropriately as authorized by contract or law Millennium Financial Group, L.L.C. TX 799XX Servicemember Consent provided Web 02/24/2016 Closed with explanation Yes No 1803246
439706 12/08/2015 Debt collection I do not know Taking/threatening an illegal action Threatened to sue on too old debt XXXX XXXX States that original company did n't receive payment but could n't state original company. States we have to pay this loan or legal action will be taken against us. She states that I signed up for this account XX/XX/2007 I do n't have any recollection of this. \n Company believes it acted appropriately as authorized by contract or law Financial Filing & Reporting, Inc. TN 370XX Servicemember Consent provided Web 12/28/2015 Closed with explanation Yes No 1687818
489685 03/15/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid I paid my my co-pay to XXXX XXXX XXXX in XX/XX/XXXX for my XXXX. I never received a bill for charges beyond that. PDQ Services, INC has looked into my credit it seems over the years, my husband and I filed for bankruptcy in XX/XX/XXXX. I disputed the information this XXXX XXXX because I got a hit on my credit AGAIN. In the dispute it was stated that the debt was not included in my bankruptcy because it had been paid- I PAID MY MEDICAL CO-PAY for services rendered- again with no notification of owing more than that. Now they are sending me letters stating they contacted their client XXXX XXXX XXXX to verify the debt. \n\nI called today to speak with XXXX as I have moved away only to find the office has been CLOSED. There is no forwarding number, website or information. I do not know who PDQ is contacting because XXXX XXXX XXXX is out of business. \n\nI am so frustruated, my credit score has dropped XXXX points in the last month due to this improper collection. When I tried to call today to get information on who they spoke to I could n't get the person who was trying to collect from me on the phone. This is now 5 years later. \n Company believes it acted appropriately as authorized by contract or law PDQ Services, Inc. GA 313XX Servicemember Consent provided Web 03/15/2016 Closed with non-monetary relief Yes No 1830961
489770 03/08/2016 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received I sent Sunrise Credit Services to certified Validation of Debt letters. They never responded to my request and never gave me any prior notice of this debt. My understanding of the Fair Credit Reporting Act they are required to provide me the information I requested and if they do n't they are required to remove this negative report with the CB. Furthermore, they ran my credit without oral or written authorization damaging my credit as well. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Sunrise Credit Services Inc. FL 331XX Servicemember Consent provided Web 03/08/2016 Closed with explanation Yes Yes 1821971
489796 03/16/2016 Debt collection Credit card Cont'd attempts collect debt not owed Debt resulted from identity theft Debt Collector is trying to collect an account that is not mine \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Capital Management Services, LP FL 334XX Older American Consent provided Web 03/16/2016 Closed with explanation Yes No 1835380
489846 03/05/2016 Debt collection Credit card Cont'd attempts collect debt not owed Debt resulted from identity theft father used my social security number to take out XXXX credit cards under my name \n Company has responded to the consumer and the CFPB and chooses not to provide a public response U.S. Bancorp FL 331XX Servicemember Consent provided Web 03/05/2016 Closed with explanation Yes No 1818909
489883 03/16/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine First, I want to disclose that XXXX and XXXX both have removed this collection from my accounts. XXXX completed their investigation and still has it open. The Amount is {$3100.00} to XXXX XXXX XXXX. The final bill includes {$1100.00} charge for Insufficient Notice Penalty. I have 60 days notice as requested and have the letter of notice. I was also charged {$110.00} and {$97.00} for Water. My water bill NEVER exceeded {$35.00} per month. I requested in writing via Certified Letter copies of those water bills, I was not sent them. Nor, was I sent an explanation of the Insufficient Notice Penalty. If this is not resolved, I will file a law suit against XXXX XXXX XXXX and XXXX. I sent XXXX proof of notice and copies of the Certified Letter requesting copies of Water Bills. I honestly do not believe they investigated this. As stated, the other XXXX credit bureaus promptly removed this from my credit report. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response ProCollect, Inc TX 761XX Older American, Servicemember Consent provided Web 03/16/2016 Closed with explanation Yes No 1834975
489909 03/03/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine The statue of limitations for the State of Texas is 4 years, and I have not received any money from a loan in the last XXXX years and this was explained to XXXX XXXX XXXX XXXX XXXX XXXX of XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX California XXXX when they called me, but they continue to call and send me letters. I am named in a Class Action Suite Against them notified by XXXX XXXX XXXX but have not had any results of the lawsuit since XXXX. They have continued to harassment telling me that they will report me deliquent to the credit agencies until I pay them the {$11000.00} that I owe them. The last letter they sent me was XX/XX/2016 saying I could pay a 70 % discount of only {$3300.00} or 12 months of {$460.00}. I think the lawsuit did not go through so I am filling a complaint against them for myself because they will not leave me alone. They have called me so many time that the phone line with XXXX XXXX XXXX did not work and I had to close the account. Please help me to get them to stop harrassing me until I die. Thank you. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Bank of America TX 799XX Older American Consent provided Web 03/03/2016 Closed with explanation Yes No 1815525
490056 03/10/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine After fighting this once already with another collection agency ( XXXX XXXX ) and the originator ( XXXX XXXX XXXX ). And threatening legal action against both for falsely pursing me, along with ignoring my proof that it was n't my debt. It stopped ... now over a year later, another debt collecting agency is reporting the same debt on my credit report ( Penn Credit Corp ). \n\nXXXX XXXX ... I departed XXXX, Colorado on MILITARY XXXX Prior to my departure I removed my name from the account according to the customer service representative who assist myself and my ex-wife in their local office. \nXXXX XXXX ... I noticed the collection account on my credit report ... and through military legal assistance, this web site, they finally removed the collection account. Part of the processes I went through was submitting signed letters to cease and desist any and all future contact/collection attempts. along with proof of my departure and my new utilites/staements in XXXX. As it is documented here, that did n't happen immediately, and is now continuing. \nEVEN IF THEY ca n't find records of me removing my name from the account ... .. XXXX XXXX XXXX went into a completely SEPARATE agreement with my ex-wife that had NOTHING to do with the " normal '' operation of the utilities. I found this out after the fact ( trying to figure out how it was even allowed to reach the extremely high amount it reached, they normally shut it off for non payment after 2 missed months ). While I was XXXX, the ex-wife contacted them ( when they turned off the utilities after she quit paying them ). YES, she paid them at the beginning from her INDIVIDUAL account. She then had to submit a packet showing her INDIVIDUAL income along with a letter of reason for an extension to keep the utilities turned on. EVEN in the letter she states that we were no longer together and her income was minimal. SO she was awarded the extension based upon HER INCOME AND LETTER! ... .. \nNow they are illegally pursuing me ( according my my legal office ) since I can prove my departure on military orders, along with them going into a separate agreement with her on her own. \n Company believes it acted appropriately as authorized by contract or law Penn Credit Corporation AP 962XX Servicemember Consent provided Web 03/10/2016 Closed with explanation Yes Yes 1826194
490071 03/13/2016 Debt collection Credit card Cont'd attempts collect debt not owed Debt resulted from identity theft Collector keeps calling me on a fraud account that is not mine \n Company can't verify or dispute the facts in the complaint Capital Management Services, LP FL 334XX Older American Consent provided Web 03/13/2016 Closed Yes No 1829864
490315 02/02/2016 Debt collection Mortgage Cont'd attempts collect debt not owed Debt was paid In XXXX I lost my home to foreclosure. There was a 1st and 2nd mortgage, both held by XXXX ( aka XXXX ). Both mortgages were recorded. 6 months after the foreclosure, I was contacted by XXXX as to how I was going to payoff the 2nd mortgage, which they called a line of credit. I told them it was discharged in the foreclosure as under my state 's laws a MORTGAGE lender has 3 months after the foreclosure to file a deficiency suit, which they did not do. So, I received XXXX for both the 1st and 2nd and filed them with my XXXX tax returns. The following year I received a letter from a collection agency on the XXXX. I disputed it and it went away. The next year a different collection agency contacted me again on the same already discharged debt. Again I disputed and it went away. Then in XXXX Green Tree contacted me demanding payment on the same discharged debt. I provided all the docs disputing it and heard nothing more. Then I discovered they had put it on my credit report, which I disputed it with the credit bureau and got it removed. 30 days later they put it back on now as Ditech Financial, LLC reporting. I disputed it with the credit bureaus again and again got it removed. Today XXXX/XXXX/XXXX I received from Ditech a XXXX Mortgage Discharge for this 2nd mortgage that was discharged in XXXX. I 've heard and read multiple places of this criminal activities by Green Tree which has been closed down by the Feds, and now is Ditech Financial doing exactly the same criminal things. \n Company believes it acted appropriately as authorized by contract or law Ditech Financial LLC ID 836XX Older American Consent provided Web 02/04/2016 Closed with explanation Yes No 1768913
490594 12/24/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine The debt was held by a business that I sold. The debt was transferred with the business. Bank of America is having difficulty getting in touch with the new owner. They call my home XXXX to XXXX times per day even though I have repeatedly explained the situation. \n Company chooses not to provide a public response Bank of America NC 283XX Older American, Servicemember Consent provided Web 12/29/2015 Closed with explanation Yes No 1716425
490775 01/08/2016 Debt collection I do not know Improper contact or sharing of info Contacted employer after asked not to Which address? \n\nThe law says I have 30 days to respond and dispute a debt but I must mail the debt collector a dispute letter. \n\nIn the collection letter XXXX of XXXX, AL there are XXXX different addresses on their letter, which XXXX do you use? \n\nIf you do n't respond to the correct address the collection firm assumes the debt is valid. To protect yourself you must mail all three addresses. \n\nThat is ridiculous. All debt collection agencies should be required to clearly print their name and address used to receive disputes printed using same font and size as the largest type used in the letter. \n Company chooses not to provide a public response Fidelity National Information Services, Inc. (FNIS) MI 481XX Servicemember Consent provided Web 01/08/2016 Closed with explanation Yes No 1733421
490851 03/17/2016 Debt collection I do not know Taking/threatening an illegal action Threatened arrest/jail if do not pay I got an automated call from XXXX stating that it was American Credit Adjusters and that they had a case that was filed with them against me. I was advised that my attorney or I needed to send something to them within 24 hours. It stated that they were going to pursue charges against me and I 'd be served at either my home or place of employment. I was told to call XXXX and provider my case # of XXXX ( my case # is my parents landline # and I do n't have any dealings with their phone at all so I do n't know where they got that information from ). They called my parents and my aunt, I 'm not sure how they linked my aunt to me but they 've gone that far. \n Company believes complaint is the result of an isolated error American Credit Adjusters CT 064XX Servicemember Consent provided Web 03/17/2016 Closed with explanation Yes No 1836567
490951 03/04/2016 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Used obscene/profane/abusive language Called the company trying to negotiate a payment plan/lower bill. After speaking to the person from the company I was told I needed to pay XXXX dollars a month. I responded with " I am not able to pay that, I have XXXX kids. '' After a lot of bickering from the representative I was then told that " you are now on a list of people who refuse to pay their debts '' and was immediately hung up on. \n Company believes it acted appropriately as authorized by contract or law I.Q. Data International, Inc. NM 883XX Servicemember Consent provided Web 03/04/2016 Closed with explanation Yes No 1816845
490954 01/11/2016 Debt collection Credit card Taking/threatening an illegal action Threatened to sue on too old debt On XXXX/XXXX/XXXX my employer received a phone call from XXXX asking to speak with me. I was not working that day and when I did return to work they gave me the # and said the caller asked that I contact them right away. When I called I was told that they were attempting to collect a debt and that if I did not pay asap they would begin proceedings to have my wages garnished. They stated there was a judgement against me in the courts and that I would have to pay or make payment arrangements within 1-2 days. I told them I would need to call them back. They next called me directly on Friday, XXXX/XXXX/XXXX, and again asked me to make a payment. They offered a " settlement '' of a lower amount for which they claim I owed. I asked to have the offer sent to me in writing and provide 30 days, they told me I did not have 30 days but they did say they would email a copy of the judgement and put the offer in writing. I advised them my wife would call them back on Monday. They called me on Mon morning, XXXX/XXXX/XXXX to ask when I could make a payment. I told them my wife would call soon. My wife called XXXX XXXX Mon, XXXX/XXXX/XXXX to ask questions. They did not send me any details via email but they told her I did, they attempted to bully her into payments but she asked for the case #, etc. It turns out they were using a judgement in the name of XXXX XXXX XXXX XXXX and were attempting to collect more money than the judgement was for. They connected her and the courthouse which backfired on them as she learned she could make payments to the courthouse. She called my wife after the phone call and asked how she wanted to pay- my wife responded- to the courthouse. The woman told her she did not have time if we wanted to take the " offer '' my wife said put your offer in writing and provide 30 days and they refused. They still claim they emailed the details the previous Friday which was a lie. This companies name turned out to be Nations Recovery Center Inc in XXXX GA. The sad part of this scenario is that the original debt was related to a PREPAID credit card company- XXXX ( yes prepaid! ) that was paid down to a XXXX balance and was asked to close the account. They did not and continued to charge fees month after month until it reached an astounding amount ( over XXXX )!! \n Company believes it acted appropriately as authorized by contract or law Nations Recovery Center NC 275XX Servicemember Consent provided Web 01/11/2016 Closed with non-monetary relief Yes No 1737471
491031 03/03/2016 Debt collection Medical Communication tactics Threatened to take legal action this is from a medical procedure I had on XXXX/XXXX/XXXX and again on XXXX/XXXX/XXXX. The debt is from a XXXX XXXX. I do not deny the debt whatsoever. The debt was for {$2100.00}. two separate times of {$1000.00}. each for their part in this procedure. We paid {$25.00} per month from XXXX/XXXX/XXXX thru XXXX/XXXX/XXXX at which time we never received another bill from that time to the present, XXXX/XXXX/XXXX. We never received a letter, phone call or correspondence of any kind till that day of XXXX/XXXX/XXXX when I received a Summons to court. It also had a letter attached to it that stated it was from a collection agency trying to collect a debt. I made a phone call on XXXX/XXXX/XXXX to the number given that was supposed to be the Law office of XXXX XXXX XXXX, attorney at law here in XXXX, TN. I talked with a woman named XXXX XXXX who informed me she was an assistant for XXXX XXXX XXXX, and that she could set me up on a pay schedule, I informed her I was already on a pay schedule and that I was no longer receiving a bill. She informed me they were not required to send a bill. I informed her I had received a bill for 10 months in a row, that pretty much sets a precedence that they send a bill. That 's when she informed me I was going to have to pay court costs and she added it to my original debt. These people never gave me any opportunity to answer this debt at all, much less the first thing I hear from them is by a summons. The Dr. and the hospital who were involved in this same procedure are very close to being paid in full. This debt would be paid right down with them if they had continued to send us a bill. I checked with XXXX and with Optima Recovery and they both assured me they do send bills regardless what XXXX XXXX contends from The attorneys office. I have a severly XXXX that we have been working and waiting on the VA for 2 yrs. now to get the operations I need. It 's been longer than that since I could work. My wife lost her good paying job in XX/XX/XXXX and she has had to work with a temp service just to be able to have some kind of employment. Yet we paid each and every bill so it upsets me greatly when someone tries to cheat us like this and add some supposed court costs to our debt, when we have not gone to court. Not quite sure why they quit sending us a bill but if they had we would have continued paying it. When anything medical quits coming in you figure the insurance finally paid. Please give a reply, I believe I am being railroaded into paying court costs. \n Company believes it acted appropriately as authorized by contract or law Optima Recovery Services LLC. TN 379XX Servicemember Consent provided Web 03/08/2016 Closed with non-monetary relief Yes No 1815788
491035 03/14/2016 Debt collection Medical Disclosure verification of debt Not disclosed as an attempt to collect Collection company refused to accept the payments that I 've been doing to the Dr.s bill department. They ignore the Dr 's agreement to lower the debt and payments the Dr. is accepting for 4 months. They reported to XXXX that I am not making payments. They refuse to send me information about payments that I owe to them. \n Company believes it acted appropriately as authorized by contract or law Preferred Collection and Management, Inc. FL 346XX Older American Consent provided Web 03/14/2016 Closed with explanation Yes No 1831007
491209 01/09/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine They continuously have been calling me claiming that they are a Debt Collection Agency. I have no Past Due Debts and furthermore I NEVER received anything from them in writing regarding the Debt I allegedly owe. I have not returned their calls since it sounds very sketchy to me. They have called on besides today at XXXX, also on the following dates and times : XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX, XXXX/XXXX/XXXX at XXXX. And numerous prior times since my phone only can hold so many Caller IDs. They have also used several different phone numbers from where they call from : XXXX, XXXX, XXXX, XXXX. \n Company believes it acted appropriately as authorized by contract or law Harris & Harris, Ltd. MO 630XX Older American Consent provided Web 01/15/2016 Closed with explanation Yes No 1735062
491286 02/25/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt resulted from identity theft The credit bureau are reporting XXXX fraudulent collections where my identity was stolen. I have my police report and I am sending in the documentation \n Company can't verify or dispute the facts in the complaint National Credit Systems,Inc. GA 300XX Servicemember Consent provided Web 02/29/2016 Closed with explanation Yes No 1804482
491303 11/13/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt was paid Macys XXXX statement was paid in person at the store. The payment was not credited to my account. \nMacys reported XXXX that payment was overdue which loweredmy credit score. \n Company chooses not to provide a public response Citibank NV 894XX Older American, Servicemember Consent provided Web 11/17/2015 Closed with explanation Yes No 1653856
491330 03/11/2016 Debt collection Payday loan Communication tactics Threatened to take legal action i borrowed {$2500.00} from a payday loan company in 2014 but when I made the first payment, i came to find out that I was literally getting ripped off! I decided then that I will only pay them what i owed but now they have hired an attorney and yesterday, I had just been now summoned to pay {$2700.00} in return w/all the interests and attorney fees! I had already made XXXX payment of {$170.00} + {$75.00} = {$250.00} and that should be deducted from the principal amount! \n Company believes complaint caused principally by actions of third party outside the control or direction of the company CashCall, Inc. UT 841XX Servicemember Consent provided Web 03/11/2016 Closed with explanation Yes No 1829246
491431 03/07/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine In XXXX 2015 I was contacted by this collection agency who wanted me to pay a bill for radio station air-time. I never ordered radio station air time ( my son owns a bar in XXXX and he may have, but I never did, have no connection to the bar or the radio station ), and asked them by phone and mail to cease calling me. In XX/XX/XXXX they called again. I sent a XXXX General Law 93A letter, by certified mail demanding they stop. I see they are checking my credit burea report. I complained to the XXXX XXXX Police Dept and they were told they stopped calling me when they got my XX/XX/XXXX letter ... an untruth to Police. So, I want my complaint heard, investigated, and some administrative action taken against them \n Company believes it acted appropriately as authorized by contract or law Benuck & Rainey, Inc. MA 019XX Older American Consent provided Web 03/10/2016 Closed with explanation Yes Yes 1820016
491472 01/11/2016 Debt collection I do not know Disclosure verification of debt Not given enough info to verify debt Received letter from XXXX XXXX, XXXX on behalf of Bank of America. XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX ). XXXX XXXX could not provide debt validation. The situation was a nuisance and we settled via a stipulation for {$2500.00} with XXXX. XXXX XXXX did not disclose to us he was working with XXXX XXXX XXXX - a debt collector law firm. XXXX XXXX XXXX never provided any information to us via the FDCPA. We were completely unaware of their involvement in this matter until an email was sent to us by mistake on XXXX indicating they were in fact acting as an agent for Bank of America.We then contacted Bank of America , XXXX XXXX , CEO and were directed to a XXXX XXXX after many communications XXXX XXXX indicated this evening we were out of luck. The stipulation was signed # XXXX, it did not matter that the collection agent XXXX XXXX XXXX was not disclosed to us. When I asked for debt validation he said the " statute of limitations had run out '' and " he was unable to provide the validation ''. It did not matter as we signed # XXXX on the stipulation. I indicated to XXXX XXXX had any of this been disclosed to us we never would have entered into a stipulation. Had we known XXXX XXXX was involved along with XXXX we would not have agreed to any of this with Bank of America. There was deception in the lack of disclosure to us by Bank of America, XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX was clear it would be punitive measures on our credit report as well. \n Company chooses not to provide a public response Bank of America NJ 082XX Older American Consent provided Web 01/11/2016 Closed with explanation Yes No 1736803
491800 12/28/2015 Debt collection I do not know Communication tactics Frequent or repeated calls We have received repeated calls from Van Ru Corporation ( XXXX ) claiming we owe a debt and to call back. Knowing htat they are known as scammers, and we do not have any debts that we know of, to include reviews of our credit reports, we want the calls to stop. After several contacts, they should have mailed us the information they claim regarding a debt owed. \n Company chooses not to provide a public response Van Ru Credit Corporation PA 153XX Servicemember Consent provided Web 12/28/2015 Closed with non-monetary relief Yes No 1717698
491880 12/30/2015 Debt collection Other (i.e. phone, health club, etc.) Taking/threatening an illegal action Threatened to sue on too old debt On XXXX/XXXX/XXXX my US Bank checking account became had a balance of {$14.00} and was not sufficient to cover a debit purchase of {$16.00}. US Bank chose to pay the item and then charged my account {$35.00} Overdraft and also multiple returned check fees. Because of the multiple overdrafts fee, continuous overdraft fees, they accumulated to over {$500.00}. The account was closed XXXX/XXXX/XXXX and transferred to the US Bank Recovery Dept for Collection The account was sold to XXXX XXXX XXXX XXXX/XXXX/XXXX. This collection company increased the amount to {$750.00}. I received threatening letters from this collection agency and contacted XXXX legal services who gave me a template letter to send ( and is attached ) to stop the 3rd part collection agency from harassing me. The harassment started up again XXXX or XXXX XXXX and I filed a complain with the Consumer Financial Protection Bureau. I thought the problem had been resolved, but another collection agency started up again calling me and threatening me with serving me with papers when the debt was clearly too old to collect. This agency has contact my son, XXXX XXXX, several times in the past two years, has contacted my son 's friends, XXXX XXXX, causing me extreme emotional stress, and has contacted me in a deceptive manner trying to get information. Some of the tactics they used was saying they were the XXXX XXXX XXXX XXXX and they had a {$16.00} refund to mail to me and wanted my address. I gave them my son 's address in MN, that is how they started harassing him. Then about two weeks ago I received a call from someone saying they had a delivery from a company I never heard of. I was suspicious. I looked up their phone number and it was this collection agency in California. They are very deceptive and threatening and pretend they are lawyers. They have several names. XXXX I call I got from XXXX XXXX, XXXX. I called the number and I got XXXX XXXX who said they were XXXX, XXXX XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX CA XXXX. I asked for an attorney 's name and Bar number and he said there were so many attorney 's he could help me. Another time I called I asked for the same information and someone named XXXX XXXX told me there were no attorneys there and the name of the firm was XXXX XXXX XXXX. My son received a call from XXXX XXXX XXXX, XXXX, XXXX and again from XXXX XXXX XXXX XXXX XXXX. This is all in writing in text on his phone. XXXX XXXX his friend received a text on his phone XXXX XXXX, XXXX. \n Company chooses not to provide a public response U.S. Bancorp WI 543XX Older American Consent provided Web 01/04/2016 Closed with explanation Yes No 1721478
492091 03/03/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine On XXXX XXXX, 2016 First National Collection contacted my husband regarding a debt that they are saying that I owe from XXXX. My husband informed them that he had no idea what they were talking about and asked how they got his phone number. He called me to find out what was going on and so then I called them. When i asked them for proof of debt they did not have anything, when I asked simply for something that shows that I actually owe this they could not provide anything other than a bill from them that says I owe money to some online university. They have asked me to send them a letter requesting proof of debt. I feel it is very unfair that I should have to prove to them that I do n't owe anything .... they should have to prove that I do owe something, Its highly unethical for a company to call and harass me about something they are saying that I owe when they have no way to prove or even validate that I do owe them anything. \n Company believes it acted appropriately as authorized by contract or law First National Collection Bureau, Inc. TX 786XX Servicemember Consent provided Web 03/03/2016 Closed with explanation Yes No 1815778
492254 03/11/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Gemini Capital are notorious in trying to collect fraudulent debt. Their attorney refused to compel discovery from the court. They claimed that they served in a house I did not owe and also I was in XXXX at the time of service. This company and their shady lawyers must be confronted and fight back legally. I won the set aside Motion and got my garnished money back. I urge anyone who has a problem with this company, please contact me at XXXXXXXXXXXX and let us get together and hire a lawyer and file a lawsuit. This does not even have an address or phone number you can contact them but you can contact via XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, DE XXXX. I wish you all a great luck and fight back if you are correct or debt is old and does not comply with the statue of limitation. I heard this company and their shady lawyers trying to collect debts from 1970 's. Just XXXX their name and you will see the truth. \n Company believes it acted appropriately as authorized by contract or law GEMINI CAPITAL GROUP, LLC GA 300XX Older American Consent provided Web 03/15/2016 Closed with explanation Yes No 1829159
492319 01/11/2016 Debt collection Credit card Disclosure verification of debt Not given enough info to verify debt I defaulted on a XXXX XXXX XXXX credit card because I did n't have enough income to pay it. They sold it to XXXX XXXX XXXX and for several years I paid $ XXXX/ month on it. Then the IRS, who is auditing our personal accounts, asked for verification of the debt and the interest charges along with the end of the year disclosure that they needed for verfication. I passed IRS 's request along to XXXX XXXX XXXX, and I never heard from him. No I am hearing from some company named XXXX ( sp? ). I can not understand their debt collectors. They have refused to give me any paper back up to what they are telling me. I asked them for the same information for the IRS and only receive more telephone calls. \n Company chooses not to provide a public response Mandarich Law Group, LLP WI 546XX Older American Consent provided Web 01/14/2016 Closed with explanation Yes No 1737257
492380 03/16/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Continuous calls. Say searching for me. will contact family employers friends etc.to full extent of law. Do not identify debt. No paperwork or notification within 5 days. Of first call. \n Company can't verify or dispute the facts in the complaint Receivables Performance Management LLC CA 920XX Older American, Servicemember Consent provided Web 03/16/2016 Closed with explanation Yes Yes 1835384
492414 03/13/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I am in receipt of your clearly mass produced computer generated " claim '' stating I owe " debt '' your company. According to the Federal Fair Debt Collection Practices Act, I have a right to have the alleged debt validated by you. \n\nPlease be advised that your records are not correct and that I have proof that not only is my account current, but XXXX or in this case now your company owes me money for around $ 300+/ Furthermore, I am a XXXX and unemployable XXXX XXXX. ( Attached Burden Of Proof ) XXXX United States XXXX XXXX Veteran ( XXXX XXXX ) Accordingly, I can prove to a judge that I was never late and that these late marks meet the guidelines for removal. \n\nPlease be advised that your records are not correct and that I have proof that not only is my account current, but XXXX or in this case now your company owes me money for around $ XXXX I do have a council that will be representing me should you decide to continue to break the law and my rights. I have also been told that under the FDCPA/FCRA I am entitled to {$1000.00} per violation in statutory damages plus attorney fees. \n\nI do not wish to litigate, but the damage has been done, and if I have to I will. Please communicate by mail only. No phone calls. \n\nI have cc 'd My attorney XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX \n Company believes the complaint is the result of a misunderstanding CCS Financial Services, Inc. CA 916XX Servicemember Consent provided Web 03/13/2016 Closed with explanation Yes Yes 1829468
492429 12/30/2015 Debt collection I do not know Improper contact or sharing of info Contacted me after I asked not to I have received numerous calls from Citibank requesting to speak to my Father-in-Law " regarding his account ''. I have repeatedly told them that this is not his phone number, his home, nor anything else of his, and he can not be contacted here. One representative requested that I give him a message to call them back and gave me a phone number. ( Violation # 1 of FDCPA ). I have also asked them several times to remove my phone number. They assure me they will, and then a few days later they are calling again asking for him. ( Violation # 2 of FDCPA - repeat contacts of family member without request of such by myself. ) They just called me again today and asked for him. I told the lady again, not him, his number, his home, and to remove the number. She reported she " would try '' to do so. \nMy father-in-law is a XXXX Veteran and deserves all appropriate protections. ( I am not a veteran. ) \n Company chooses not to provide a public response Citibank TX 791XX Servicemember Consent provided Web 12/30/2015 Closed with explanation Yes No 1721050
492452 02/29/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I have sent a letter to them that states the debt is not mine it is over 10 years old The name the address is not correct on the response. Also requested proof of last payment, there licensed to collect debt and proof the debt is mine. no response back other than a copy of some else info I Never open any account under a XXXX XXXX I NEVER LIVED AT THE ADDRESS THEY STATE ON THE FILE. My signature does not come close. II have received calls from this company several times. Sometimes they answer other times they just listen or hang up. I have no business with them and they keep calling. I have reported other number they used to the FCC and now they are calling from a different number. My rights keep being violated They have called my son stateing that I will be arrested if I do n't comply to there demands. They have called me countless times. I have no unpaid debt and do n't know what it is about. I have returned their calls numerous times and answered the phone when they call so I can get to the bottom of this, but I can not reach an actual human being. Their outbound calls are automated. They do not pick up the phone when you call back, so you either leave a voicemail that is never returned or get an error message that does n't allow a message to be left. Unprofessional business practices .I have contact a law firm XXXX XXXX XXXX XXXX TX XXXX \n Company disputes the facts presented in the complaint Southwest Credit Systems, L.P. TX 774XX Servicemember Consent provided Web 02/29/2016 Closed Yes Yes 1809326
492516 02/26/2016 Debt collection Credit card Cont'd attempts collect debt not owed Debt resulted from identity theft My Macy 's credit card number was used to make purchases at Macy 's stores in XXXX XXXX while I was in New York. I still have possession of the card, so I assume it was some form of spoofing. I noticed the charges within a few days and notified Macy 's they were not mine. I have filled out a fraud affidavit and returned it. \n\nI now get several phone calls a day beginning at XXXX XXXX. In general I do n't answer, but when I tried to pick up I discovered the caller hangs up after two rings. I called back the number from the Caller I.D . log and determined it was Macy 's bank. I called Macy 's bank and asked them to stop, but the calls continue. \n\nThere have also been negative reports to various credit bureaus. \n\nThis is Macys bank rather than Macy 's itself. The fraudulent charges have been removed from the record of my actual Macy 's account. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Citibank CA 947XX Servicemember Consent provided Web 02/26/2016 Closed with monetary relief Yes No 1804697
492605 03/01/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid On XXXX XXXX, 2016 a final payment was authorized and paid on my XXXX account. The debt was settled and I authorized no other payment, letters are attached stating the arrangements. On XXXX XXXX, 2016 RPM illegally debited my checking account in the amount of {$470.00}, this account was paid in full per there settlement offer. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Receivables Performance Management LLC CA 906XX Servicemember Consent provided Web 03/01/2016 Closed with explanation Yes No 1808955
492606 02/29/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid I have paid my son 's all bills at XXXX XXXX XXXX, medicine or doctor 's bill. I contact the customer service at XXXX ( XXXXXXXXXXXX ) to double check and they confirmed that I owe them NOTHING. There is this collection company " Nationwide Credit Corporation '' keep harassing me to collect some medical bills from me. Absolutely outrageous and fraud! The account number they have for me is XXXX and the reference is XXXX. Their address is NCC, XXXX XXXX XXXX, XXXX, VA XXXX. Please tell them to stop harassing people, I am very aware of my billings but there are people who get afraid when they see collection. This needs to stop and there should be strict regulations for collection agencies. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Nationwide Credit Corporation MD 210XX Servicemember Consent provided Web 02/29/2016 Closed with explanation Yes Yes 1807880
492767 02/28/2016 Debt collection Credit card Communication tactics Used obscene/profane/abusive language XX/XX/XXXX I retired. I invested {$200000.00} in an oil exploration firm XX/XX/XXXX. The investment went sideways due to fraud XX/XX/XXXX. XX/XX/XXXX I was in poor financial condition and started job hunting ; I was hired by the XXXX XXXX XXXX XXXX XXXX. At that time I retained " XXXX XXXX '' to try and clean up my debts without filing bankruptcy and began paying so much a month ( {$780.00} ) to build up an account to pay the debts and legal fees. We had progressed well and settled a portion of the debts I had incurred. XX/XX/XXXX I XXXX at work ( Workman 's Comp reduced income to XXXX ) and was out until XX/XX/XXXX. XX/XX/XXXX we started hearing from XXXX XXXX XXXX ( XXXX ) through the XXXX District Court of Utah and XXXX XXXX XXXX. For every submittal by XXXX, XXXX XXXX countered with their own court submittal. This went back and forth 4 or 5 times until XX/XX/XXXX with several conversations of settlement. XXXX was very abrasive and cursed at the XXXX XXXX people trying to settle the case, he would not settle. XX/XX/XXXX XXXX ( lied, said I never responded to the court ) ) convinced or bought this judge to put a judgement in on me, without my day in court and any arbitration. Per the contract I was to have my arbitration and a day in court. XXXX told XXXX XXXX that I no longer had a contract because these carpet baggers had bought this debt so they were no longer responsible for the stipulations of the contract. XX/XX/XXXX XXXX XXXX tried again to settle and offered everything I had in the account ( {$11000.00} ) they said no and cursed them out again and said they want it all. In the same month we submitted paperwork to XXXX XXXX XXXX and XXXX but XXXX did n't even respond, he ignored both arbitrations attempts. XX/XX/XXXX I found out they had garnished my pay check at XXXX but also my Utah state tax return was taken. XX/XX/XXXX the tax return was a {$3200.00} ( a write off because of the oil loss ), so they have garnished approximately {$7500.00} XX/XX/XXXX.XX/XX/XXXX they will take approximately {$9000.00} but not State tax return because the oil relief is over and now I owe money this year. XX/XX/XXXX XXXX XXXX was shut down and investigated by Fed 's for taking to much in fees up front and additional fees throughout each settlement process. Now the garnishing continues my money is tied up ( to settle ) at XXXX XXXX and I still have a corrupt lawyer and Judge to contend with day in day out. I had an original amount of {$20000.00}. The oil fraud was turned over to the Utah Commission and determined they were fraudulent and I filed an additional complaint against XXXX XXXX after finding they had over charged everyone beyond the normal fee structure. The only thing I know is lawyers are created to prey on other peoples misfortunes and make them pay and pay whether or not they say they are on your side. I have all the documentation sent to me and everything I submitted in return. I also have the court records that show no notice of a hearing and no chance to arbitrate a settlement, I 'm discussed. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Citibank UT 841XX Older American, Servicemember Consent provided Web 02/28/2016 Closed with explanation Yes No 1807589
493163 11/11/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I DO N'T KNOW WHERE THIS DEBT IS COMING FROM. \n Company chooses not to provide a public response NCC Business Services, Inc. TX 782XX Older American Consent provided Web 11/12/2015 Closed with explanation Yes No 1650308
493210 02/23/2016 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine Financial Recovery Services is calling for someone who owes a debt but does NOT live at the phone number being called. They keep calling the " wrong number '' day after day and month after month looking for someone else. I AM ON THE DO NOT CALL LIST! \n Company can't verify or dispute the facts in the complaint Financial Recovery Services, Inc. FL 338XX Older American Consent provided Web 02/23/2016 Closed Yes No 1801311
493301 02/25/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine This is written by XXXX XXXX XXXX ; collection involves an account under my wife 's name XXXX XXXX XXXX XXXX XXXX. \n\nIn XXXX of XXXX, we cancelled our TV cable service with XXXX and kept only XXXX internet service. A XXXX serviceman picked up TV equipment ( TV control unit and remote, as I recall ) and left the modem only. \n\nIn early XXXX, we switched our internet service to XXXX XXXX XXXX. When my wife ( per directions from XXXX ) delivered the modem to our local XXXX office, we were told we still had a piece of TV equipment we did not have, and would be charged for it. I called XXXX customer service and explained the above scenario, and advised we did not take or have their lost equipment and would not pay for what seemed to have been lost by someone else. I believed that the matter was closed, and then the cards and calls from Consumer Protection Association began to come. They came to me, because my phone was listed as the contact. \n\nI called both CPA and XXXX on three occasions. After each contact, I believed that XXXX understood our position and the matter was closed. The last contact was on XXXX/XXXX/XXXX to XXXX companies. I confirmed that CPA would be contacting XXXX, and I confirmed XXXX would be confirming to CPA that the matter was resolved. \n\nI then received notice in XXXX ( XXXX copy included ) that CPA had 'turned my account over to the credit bureaus '. I was shocked, as this was clearly a disputed matter, and I had recieved no indication from CPA that 'the credit bureaus ' ( no specs as to how this was reported, or to who ) had been advised that this was a contested matter. \n\nI now realize that I should have disputed this matter in writing withing 30 days of first notice, etc. I am sure XXXX and CPA have records regarding my phone calls, and XXXX should have record of the resolution ( s ) I was led to believe were forthcoming, so the formality of writing on such a clearly baseless case did not occur to me. \n\nMy wife XXXX and I XXXX have a very long history of excellent credit. It is ludicrous to suggest that we would jeopardize that by failing to return a part that should have been picked up at the time our TV service ended. \n Company believes it acted appropriately as authorized by contract or law Credit Protection Association, L.P. FL 328XX Older American Consent provided Web 03/01/2016 Closed with non-monetary relief Yes No 1803918
493316 03/16/2016 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not disclosed as an attempt to collect When they originally called they actually called my in-laws who would not give them my number, when I called them back she did not tell me it was an attempt to collect a debit or anything of that nature. Basically jumped right into making payments. In XXXX 2005 I received some charges in which I was to pay some fines, over the course of a few years I made payments, and when I filed my taxes they took my state return. I assumed since I was n't getting returns that they were still taking them, I was just contacted today for this debit ( 11 years later ), according to them they have sold my account 3 times and have failed to find me, yet I 've lived in the same county for 8 years, gone to school, applied for loans, I have phones and bills in my name, not to mention a simple google.com search brings up my information. The original debit is for just under {$900.00} now they want me to pay over {$1300.00} for their collection costs. They were able to verify my address in XXXX XXXX, Utah. I do not have any type of documents and when calling the court house they have destroyed my file therefore there is nothing left of this case. \n Company disputes the facts presented in the complaint Bonneville Billing and Collections UT 840XX Servicemember Consent provided Web 03/16/2016 Closed with explanation Yes No 1835029
493545 02/10/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine southwest credit systems called my number ( XXXX ) which is on the US National DNC list to collect a debt which is for someone I have never heard of. The caller refused to supply a phone number which I could call to have my number removed from their calling lists or added to their company do not call list. He would only state the name of the company and that it was headquartered in XXXX, TX. \n Company believes the complaint is the result of a misunderstanding Southwest Credit Systems, L.P. FL 338XX Servicemember Consent provided Web 02/25/2016 Closed Yes No 1781968
493664 12/23/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received My contention : I was never given the right to even question let alone settle this debt. I was never contacted in writing or by telephone about owing this debt. I discovered the debt through credit monitoring not because of Stellar Recovery, inc. attempt to collect a debt. This alone violated my rights. \n\nStellar Recovery, inc. contacted the credit reporting agency and put the debt on my report as owing. This was a direct violation of my consumer rights. \n\nFurthermore ; The agent for this collection group XXXX XXXX XXXX XXXX stated they attempted to call me but the original vendor had given them the wrong telephone number for me. \n Company believes it acted appropriately as authorized by contract or law Stellar Recovery Inc. NM 871XX Older American, Servicemember Consent provided Web 12/30/2015 Closed with explanation Yes No 1715646
493802 03/07/2016 Debt collection Medical False statements or representation Attempted to collect wrong amount I was sent a collection notice on a bill that I paid already. Hospital has no record of sending to collections. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response CMRE Financial Services, Inc. CA 914XX Servicemember Consent provided Web 03/07/2016 Closed with explanation Yes No 1820796
493809 03/15/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Southwest Credit XXXX continues to harass me \n Company can't verify or dispute the facts in the complaint Southwest Credit Systems, L.P. MI 486XX Older American Consent provided Web 03/15/2016 Closed Yes No 1833888
493815 03/04/2016 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect Cashnet USA keeps debiting my Savings Account and causing me undue hardship because everytime they do that it cost me {$30.00} ; They initially charged me {$220.00} and now they want another {$220.00} ; they keep playing games and having different people call me to make verbal arrangements ; they sent me an e-mail with an offer and I sent them a counter ; then they sent another person to call me to record me but, I did n't make a verbal agreement. I have the documentation to subtantiate my complaint. They keep changing the payment arrangements and due dates to keep me paying them longer and more money \n Company disputes the facts presented in the complaint Enova International, Inc. MD 209XX Servicemember Consent provided Web 03/04/2016 Closed with explanation Yes No 1817120
493963 03/15/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I was advised months ago the debt no longer exists. I have an actual bill dated XXXX XXXX, 2016 showing I have a XXXX balance acct with XXXX XXXX. These collection folks have ignored my communications for many months and now are hurting my credit for a debt I do not owe. They must be stopped and sanctioned, please \n Company believes it acted appropriately as authorized by contract or law ERC AZ 852XX Older American Consent provided Web 03/15/2016 Closed with non-monetary relief Yes No 1833462
494093 03/03/2016 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect A lady named XXXX XXXX called from XXXX to my place of work, I called back and she claimed to be from a law firm, collecting for the cash store. when I asked for her mailing address she became irate and said my attorney should contact them. She asked why I wanted the address, I stated that I did n't believe they were a law firm. At that time she yelled " XXXX ''! I hung up. she called back but I did n't answer. she left another insulting message on my voice mail, \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Cottonwood Financial Ltd. TX 785XX Servicemember Consent provided Web 03/03/2016 Closed with explanation Yes No 1816297
494238 03/08/2016 Debt collection Medical False statements or representation Attempted to collect wrong amount Call received from a collection agency as in represented as a lawyer claiming false statements to collect a wrong amount. \n\nReceived letter from collection agency with incorrect amount. \n\nCopy of insurance included with the correct amount. \n Company believes it acted appropriately as authorized by contract or law Retrieval-Masters Creditors Bureau, Inc. FL 346XX Servicemember Consent provided Web 03/08/2016 Closed with explanation Yes Yes 1820479
494308 03/02/2016 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Talked to a third party about my debt I was billed twice the normal amount for a XXXX and way overcharged for a consultation for the procedure. My insurance company would have paid all if their billing department would have billed it as my normal 10 year check up. For some reason they would not. I asked for it to be fixed they turned it over to collections. I asked to speak with the doctor about his excessive bill and he would not discuss with me. That bill was also turned over to collections. I told the collection company that i was disputing the bill by letter. They still sent the information to the credit reporting agencies. My credit has been damaged. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Armada Corp. WA 980XX Older American Consent provided Web 03/03/2016 Closed with explanation Yes No 1812063
494420 02/04/2016 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt Original stated source of Debt : XXXX XXXX XXXX in XXXX Ohio National Credit Systems has failed to provide any information that a debt is owed. NCS has XXXX debts XXXX for {$500.00} and the other for {$100.00} totaling {$600.00}. Neither amount reflects any amount owed orobligated to The Chesterfield by me. The only factual information is that I did live at XXXX XXXX XXXX in XXXX to which they advise is the original source of the debt. I do not and did not owe XXXX XXXX any monies for any reason when I moved. They failed to provide upon request any factual basis for the claimed debt owed. They continue to report to the Credit bureau false information about the debt being owed. \n Company disputes the facts presented in the complaint National Credit Systems,Inc. OH 454XX Servicemember Consent provided Web 02/26/2016 Closed with explanation Yes No 1772939
494460 03/09/2016 Debt collection Credit card Communication tactics Frequent or repeated calls I have been repeated called by XXXX XXXX after changing my number two times and making my number unlisted. They have pestered me to death several times a day. I am a day sleeper and the constant calls are driving me nuts. This bill was to be paid by my ex-husband as a part of my divorce. That was over 5 years ago. Please help me to get these people off of my back. I have no intension of paying them. Thank You \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Bank of America OH 434XX Older American Consent provided Web 03/09/2016 Closed with explanation Yes No 1822009
494499 12/15/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine XXXX from Nations Recovery Center called me at work requesting i pay a XXXX debt. I said it 's not mine and I wanted her debt collator number. she refused to give it to me. She would not give me the address to send a letter that it was not mine. not to mention she was down right rude. \n\nI have written letters to multi companies including figerhut this is not my debt. \n\n\nafter calling them back i was contected to a person who used a fake name and a would not give me a website of there company. they all so gave me an address that i think does not belong to them. I could not find the company in any address book. \n\nLastly he bragged that it was XXXX dollar business but let would not give me any information on this XXXX dollar business. \n Company believes it acted appropriately as authorized by contract or law Nations Recovery Center WI 539XX Servicemember Consent provided Web 01/15/2016 Closed with non-monetary relief Yes No 1697717
494518 03/16/2016 Debt collection I do not know Taking/threatening an illegal action Threatened arrest/jail if do not pay UCB collection contacted my Job 18 time in one day and disclosed my debt to my supervisor and told her that they will be sending the sheriffs to the job to arrest me. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response United Collection Bureau, Inc. CA 902XX Servicemember Consent provided Web 03/16/2016 Closed with explanation Yes No 1834876
494537 03/10/2016 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt I WAS LIVING IN AN APARTMENT COMPLEX WHILE I WAS IN THE MILITARY IN 2009 WHEN I LEFT THE XXXX AND WAS LEAVING I WENT TO THE LEASING OFFICE AND I ASKED IS THERE ANYTHING I NEED TO SIGN OR ANYTHING ELSE AND THE LEASING LADY SAID LOOK AT THE SCREEN WHAT DOES IT SAY AND GET OUT OF MY OFFICE IN A RUDELY MANNER IVE BEEN BATTLING WITH HUNTER WARFIELD BECUASE I WAS AWARE PER THE LEASING MANAGER I OWE NOTHING ITS BEEN 7YRS AND YET I OWE A XXXX BALANCE AND NOBODY CAN GIVE ME THE CORRECT INFORMATION \n Company believes the complaint is the result of a misunderstanding Hunter Warfield, Inc. FL 336XX Servicemember Consent provided Web 03/10/2016 Closed with explanation Yes No 1826736
494564 03/01/2016 Debt collection Payday loan Taking/threatening an illegal action Seized/Attempted to seize property this Company call me an also my job about a payday loan in 2010 f i own a loan why they calling me know. leaving me messeage on my phone Im tird of these call an my boss is fed up too. they saying they can take my wage take me to court an ect. they call me with a number then they call with an unkown number they keep saying they going to process the paper work they few day later they call again about send money \n Company believes it acted appropriately as authorized by contract or law Citi Management Group, LLC FL 330XX Servicemember Consent provided Web 03/10/2016 Closed with explanation Yes No 1811601
494826 01/11/2016 Debt collection Credit card Communication tactics Frequent or repeated calls Kay Jewlers will call from blocked numbers, random numbers and blocked numbers at all hours M-S, even at night or very early sometimes 15 times a day. \n Company can't verify or dispute the facts in the complaint Sterling Jewelers Inc. KY 422XX Servicemember Consent provided Web 01/11/2016 Closed Yes No 1736438
494901 01/08/2016 Debt collection I do not know Disclosure verification of debt Not disclosed as an attempt to collect sOMEONS FROM pHILLIPS COLD CALLED IN REFERENCE TO MONEY OWED. hE WOULD NOT IDENTIFY HIMSELF OR THE NATURE OF HIS CALL SO I HUNG UP. tHE NUMBER ON MT cALLER I d WAS XXXX AND THE NAME WAS pHILLIPS. I LOOKED THIS UP ON THE INTER NET AND FOUND THAT THIS COMPANY HAS NUMEROUS COMPLAINTS FILED AGAINST IT. wHY HAS NOTHING BEEN TO STOP pHILLIPS FROM harassing PEOPLE? Company believes it acted appropriately as authorized by contract or law Phillips & Cohen Associates, Ltd. MS 395XX Older American Consent provided Web 01/08/2016 Closed with explanation Yes No 1734730
495113 12/22/2015 Debt collection Mortgage Cont'd attempts collect debt not owed Debt was paid Every month I start getting calls about one week prior to and one week following payment. They call multiple times per day. When I block the number to use a new number. If I were in very bad standing with my account I would understand but I am not nor have I ever been which makes the consistent, repetitive and harassing calls unjustifiable. \n Company chooses not to provide a public response Wells Fargo & Company CA 920XX Servicemember Consent provided Web 12/22/2015 Closed with explanation Yes No 1712941
495177 03/06/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt resulted from identity theft I was XXXX in XXXX from XXXX XXXX until XXXX XXXX. When I returned back to XXXX XXXX XXXX I received several calls stating I was assaulted in XXXX. I never lived in XXXX and only visited XXXX to pick my car up from the port. However, they stated I received medical treatment there which is incorrect. I have been in XXXX since XX/XX/XXXX. Whomever, used my identity did not show identification and now I am being billed. I provided them my social security number and they said they were going to handle it. Now it is on my credit. I told them to send me a video because it is not me. However, they do believe I am not telling the truth. I can provide all the additional information needed to resolve this matter. \n\nXXXX XXXX XXXX XXXX, XXXX XXXX ( XXXX ) XXXX Date Reported : XX/XX/XXXX Date Assigned : XX/XX/XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX XXXX Accounts Number : XXXX Account Owner : Individual Account. \nOriginal Amount Owned : {$1200.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$1200.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Consumer disputes this account information, Medical Date Assigned : XX/XX/XXXX Creditor Classification : Medical/Health Care Creditor Name : XXXX XXXX Accounts Number : XXXX Account Owner : Individual Account. \nOriginal Amount Owned : {$28.00} Date of 1 st Delinquency : XX/XX/XXXX Balance Date : XX/XX/XXXX Balance Owned : {$28.00} Last Payment Date : N/A Status Date : XX/XX/XXXX Status : D - Unpaid Comments : Medical \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Revenue Recovery Corporation SC 292XX Servicemember Consent provided Web 03/08/2016 Closed with explanation Yes No 1817551
495193 01/10/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I have received numerous letters from A.R.M Solutions INC stating that I owe {$9.00} for a delinquent account from The XXXX. I entered into an agreement to receive limited issues of XXXX in 2014 ( estimated ) through a XXXX door to door donation special. Through my donation I was set to receive a specific number of issues of the XXXX. I did not sign up for or agree to receive any additional issues or extend my subscription. However, according to them and A.R.M. Solutions I owe {$9.00}. I believe this is an illegal process on the part of XXXX. Forcing me into purchasing additional subscription, without my permission or expressed willingness. \n Company chooses not to provide a public response A.R.M. Solutions, Inc. FL 330XX Servicemember Consent provided Web 01/10/2016 Closed with explanation Yes No 1735186
495226 12/29/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine While checking my reports I noticed in the collections area an entry from Cach LLC opened XXXX XXXX for a debt that is not mines. I 've had no communication from this company concerning this unvalidated debt and I 'm sure there has to be a mistake. \n Company chooses not to provide a public response SquareTwo Financial Corporation AL 352XX Older American Consent provided Web 12/29/2015 Closed with non-monetary relief Yes No 1719579
495363 03/01/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt resulted from identity theft I was called on my cell phone by First National Debt inc. and was told I owed {$210.00} for a debt incurred XX/XX/XXXX while I was in XXXX. The debt was never resolved because by the time I returned home from XXXX and found out about the debt XXXX XXXX was no longer a bank or it moved or something. The website was down and the number was just a recording then I find out that XXXX XXXX was bought by another bank and this debt came from XX/XX/XXXX or XX/XX/XXXX. I was XXXX XX/XX/XXXX and in XXXX XX/XX/XXXX. This debt is nine years old. \n Company believes it acted appropriately as authorized by contract or law First National Collection Bureau, Inc. CA 921XX Servicemember Consent provided Web 03/01/2016 Closed with explanation Yes No 1809977
495365 12/31/2015 Debt collection Credit card False statements or representation Attempted to collect wrong amount I have a auto pay set up for my credit card every month for military star for three years never missed XXXX payment and as XXXX this year even with a auto pay set up, miltary star did n't take out the balance while making me late for two months. I tried to explained to them I was out of town for XXXX funerals and I did n't know my payment has went up and they only took XXXX instead of XXXX for XXXX and XXXX making me late. I have never been late for over four years. I tried talking to miltary star reps they said you should had paid and I said this is a mistake I paid for four years and have auto pay. They said that 's my fault and you should pay your bills. This is so out of bounds, i told her I was revive refinancing my home and she said this is not gon na help XXXX Never tried to help. I said I have many problems in this world from combat but this got to be the worse day in my life for miltary star to do this. The supervisor talked so mean and never tried to help in this matter. It 's more about jacking people credit than helping seeing this is a mistake. The first XXXX says a was n't late and then I kept asking her about the late payments and she did n't know her owned system. Miltary star has people who do n't know what they are doing and they jack people credit up and do n't care. When you purchase you have 30 days before you have to pay on the purchase you made they do n't. If you make a purchase before your purchase this will be added to your payment before 39 days \n Company believes it acted appropriately as authorized by contract or law Army and Air Force Exchange Service NV 891XX Servicemember Consent provided Web 12/31/2015 Closed with explanation Yes No 1724141
495678 03/07/2016 Debt collection Credit card Communication tactics Called outside of 8am-9pm I am writing on the advice of XXXX XXXX, XXXX State Attorney General. I was contacted by XXXX XXXX XXXX.. XX/XX/XXXX. They collected money on my credit card for magazines for 3-4 months. They called me as well as me calling them to cancel the subscriptions but said it was too late. I canceled my credit card so they could not withdraw anymore money. Now XX/XX/XXXX I have received a total of XXXX letters from Interstate Recovery Services at XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX stating that they are trying to recover XXXX debts for the amounts of {$39.00} and {$590.00}. I also paid Subscribers Services a total of {$320.00} for a one year subscription fro XXXX magazines. I do n't know if these XXXX businesses are related. \nI have sent my documents to XXXX XXXX and forgot to keep copies for me. She should have them in my file. \n Company believes the complaint is the result of a misunderstanding Interstate Recovery Service, Inc. MN 563XX Older American Consent provided Web 03/07/2016 Closed with explanation Yes No 1821050
495768 01/19/2016 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received I moved out of XXXX XXXX XXXX XXXX, MO XXXX 2015 because I lost my job and was forced to move in with friends. During the same month I was told that I could buy out my lease, but only had 20 days to do so for about XXXX. I could n't come up with that amount of money that fast. By XXXX 2015 I started receiving collection notices via mail and phone by a bill collector named Hunter Warfield in Florida. They are trying to collect over {$8000.00} for moving out of the apartment before the end of the lease. I told the bill collector that I had agreed to buy out the lease with the apartment complex manager via emails and he did n't care. He told me to call the apartment complex and discuss that with them in which I did via emails. The apartment manager told me there was nothing that she could do since it was at the bill collectors office. Also, I asked her to let me have my apartment back and I would catch up the late rent but she said no. I had only been out of the apartment for a month and a half. Taking to the bill collector again I told him that I could prove the agreement for buying out the lease for {$2600.00} but he refused, said the emails could be altered. He said they want over {$8000.00}. and nothing less. I asked for an itemized bill in which I received XXXX letters. XXXX letter with no itemization on it just the {$8000.00}. amount. The second letter said all collection processes were going to stop until the debt could be verified. Now, this past week the bill collector started calling again demanding {$8000.00}. When I told him the amount was wrong, not within the laws of the state of Missouri, asked him not to call my cell phone anymore, he hung up on me. Today, my mother said Hunter Warfields office called my moms home phone asking for me which I found embarrassing because I had to explain why a bill collector was calling them. There number is listed in the white pages so I guess they are going around calling all my relatives. \n Company believes the complaint is the result of a misunderstanding Hunter Warfield, Inc. MO 633XX Servicemember Consent provided Web 01/19/2016 Closed with explanation Yes No 1746702
495850 03/30/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt resulted from identity theft I 've been having harassing calls from XXXX management companies for months. My insurance company informed me to file a formal report with them because this was a known scam to them. These calls have persisted and they have some how gotten more and more person medical information about me and even now know where I live. The calls went from just other states to right here in my home town. Some of these numbers pop up on google with some pretty scary web links. ( I never open them ) My problem started after I started rejected there calls and after telling them I had reported them. Insurance company told me to tell them this. I then started getting calls from RPM, Receivables Management Performance. At XXXX I thought it was the same scam XXXX from before so I did n't answer. They started leaving numerous messages stated they were RPM a debt collecting company trying to collect a debt. Knowing that All my debt is paid off I immediately went to check my credit score. There it shows I XXXXwireless XXXX. How ever the phone account is n't in my name. Never has been. Nor under my social. So I found this very odd. It then said the original company charged me in XXXX XX/XX/2014 for the XXXX but never received. So I went to our phone statements knowing were not behind looking for this charge. XXXX never charged XXXX for any services additional to our normal bill. Payment history shows every payment has been made on time. I also never received calls from XXXX. I have tried answering the calls from RPM. They either announce who they are and then hang up, Hang up the XXXX I answer, or speak some other language real quick then hang up. Either way they never actually try to collect nor let me dispute the charges. They call every day between XXXX times. Different numbers. This is the absolute only debt I have showing on my credit and like I said before XXXX is not my account. I 've never had any wireless company account in my name. I looked this company up. There are many complaints about RPM. Hang ups, harassing calls, fraudulent charges for items people have never had. Even filed through the BBB people have these complaints and yet they still receive a XXXX star rating. Im not sure how these people are allowed to be in business. I would like this inaccurate debit removed and investigated so hopefully they do n't try again. \n Company chooses not to provide a public response Receivables Performance Management LLC NC 285XX Servicemember Consent provided Web 03/30/2015 Closed with explanation Yes Yes 1306936
496006 10/25/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Focus Receivables Management of XXXX, GA has put false negative information in my credit report. They are claiming I set up an account in XXXX 2014 for {$60.00} and then did not pay. They made no contact with me except to provide false information that shows up as Derogatory Information and Collection Accounts on my credit report. \n Company believes it acted appropriately as authorized by contract or law Focus Holding Company HI 968XX Servicemember Consent provided Web 10/25/2015 Closed with explanation Yes No 1623528
496033 05/09/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Frequent or repeated calls Multiple calls during the day. Some are hang up calls, some are answered, then I am put on hold for 20 minutes and then they hang up. Some verbal abuse, e.g. " you got yourself into this mess '', or " we never take it off your credit report '' ( I was attempting to negotiate a settlement in exchange for a promise to delete ). We get close to an agreement to settle, i.e. 50 %, then the next time they call they start all over again with 90 %. \n Company chooses not to provide a public response Receivables Performance Management LLC UT 844XX Older American, Servicemember Consent provided Web 05/09/2015 Closed with explanation Yes No 1368361
496095 03/03/2016 Debt collection Non-federal student loan Disclosure verification of debt Not disclosed as an attempt to collect Debt collector presented bill from creditor that I have never had and bill included XXXX in interest have requested validation \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Financial Asset Management Systems, Inc. AZ 850XX Servicemember Consent provided Web 03/03/2016 Closed with explanation Yes No 1814249
496098 03/15/2016 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount Back in XXXX I communicated with a collection agency named Continental Central Credit. I spoke to them because they had a collection account in their office which they were reporting on my credit report. When I spoke with this collection agency, I spoke with an individual by the name of XXXX XXXX. \n\nXXXX XXXX was the collector who was in charge of this particular account. When I spoke with him, I explained my situation to him and we had agreed upon me paying an amount of {$700.00} as well as having the account removed from my credit report due to the unusual circumstances surrounding the nature of the debt. We agreed that I would post date a payment on the XXXX of XXXX because that is when I got paid for the month. I only get paid once a month. \n\nI thought the situation was taken care of until I received another notice saying that they will sue me if I do n't pay the amount of the post dated payment as well as a {$25.00} Non sufficient fund fee. At this point I had my representative step in and try to figure out what was going on because I know I had funds in my bank account. In fact, because of this entire ordeal, I was forced to go to my bank and provide them documentation about the non sufficient funds to figure out what was happening and I also printed out a statement which shows I had money in the bank at that time. \n\nAfter further review, my representative then noticed that the date the collection agency attempted to withdraw funds was listed the XXXX of XXXX and not the XXXX of XXXX as XXXX XXXX XXXX and I had agreed upon. My representative then spoke to the collection agency to ask why they were attempting to charge me non sufficient fund fees as well as threaten to sue me if they had attempted to withdraw funds on a date that was not agreed upon. The response that he received was truly exasperating. \n\nThe collector XXXX stated that we had n't agreed upon the XXXX but the XXXX. He claimed that to have it in by the XXXX it had to be withdrawn then. That statement was a complete falsehood. Besides the obvious fact that the XXXX was days after XXXX therefore chances are I did n't have money to spend, but it 's also days before I get paid and therefore I would never agree to such a deal. Furthermore, when my representative attempted to play nice and chalk it up to a whole misunderstanding and to offer them the same amount as before which was the {$700.00}, the collector said he could n't do it because the funds had to be withdrawn before the XXXX of XXXX. He also made a statement that the settlement offer was no longer valid. At this point my representative asked for the Supervisor. \n\nThe supervisor was named XXXX XXXX. he tried to explain to her the entire situation. He informed her that the funds withdrawal was according to their own documentation attempted on the wrong dates. He also informed her that I was willing to still pay the agreed upon amount. She would n't hear any of it. Although her tone was very cordial, she simply reiterated what the collector tried to tell me and instead of noticing that they had wronged me and were attempting to wrong me more, she tried to focus on why I was able to afford the full amount and therefore did not require a settlement. At this point they are being malicious and they have broken the law. \n\nThey essentially pulled a bait and switch on me. They lied to me in order to collect more money than agreed upon, attempted to withdraw money when they were n't supposed to, and now they are attempting to extort illegal non sufficient fees and treble damages. \n\nAt this point I am very upset and if they attempt to sue me for these ridiculous charges, I will counter sue. I ca n't believe a collection agency is allowed to operate like this. Please look into them as they should not be extorting people for money. Their job is to collect and not to try and con people out of thheir money \n Company disputes the facts presented in the complaint Continental Central Credit, Inc. CA 933XX Servicemember Consent provided Web 03/15/2016 Closed with explanation Yes No 1832836
496150 05/19/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid We signed with XXXX XXXX XXXX XXXX for service in XX/XX/XXXX. Service was unacceptable, we paid what we owned and cancelled in XX/XX/XXXX. We were contacted by a collection Co. ( XXXX ) that we owed {$100.00}, ( date not remembered ). We contested the claim. On XXXX, we received a letter from the XXXX That noted " Current Balance : Not Applicable ''. The letter also stated that the " ... account is closed in our office ''. Not knowing what " Current Balance : Not Applicable '' actually meant, so on XXXX, I phoned, talked to an employee who said that they had contacted XXXX advising we had contested the bill and XXXX XXXX had agreed we did n't owe anything. Stupidly, I failed to ask for this in writing. OnXXXXXX/XX/XXXX ( 3 yrs. later ), We received a letter from another collection company, RPM, that if we would pay {$53.00}, ( 60 % ) they would be willing to close our " out standing balance ''. We contested that so they came back that we owed {$100.00}. What is needed at this juncture to establish that we do not owe this! \n Company chooses not to provide a public response Receivables Performance Management LLC WA 980XX Older American Consent provided Web 05/22/2015 Closed with explanation Yes No 1382880
496169 05/24/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Repeated phone calls covering XXXX years for a person named XXXX XXXX, who apparently had my phone number previous to me. \nThe agency goes by the name of Receiver Performance Management. Their phone number is XXXX \n Company chooses not to provide a public response Receivables Performance Management LLC CA 945XX Older American, Servicemember Consent provided Web 05/29/2015 Closed with explanation No No 1390500
496179 10/07/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Used obscene/profane/abusive language I called Diversified Adjustment Service, Inc today ( XXXX/XXXX/15 ) and spoke with one of their collection representatives named XXXX. I had previously made payment arrangements ( XXXX/XXXX/15 ) to pay {$20.00} a month until the debt was paid. XXXX stated that amount would n't work, that I had to pay more. I stated that I 'm on a fixed income, I only receive Social security, and can not pay more than that and I have a letter stating that fact. He said " Well you 're talking to me now, and there 's no way you can pay just that amount. It 'll take you seven months to pay it off, you 're going to need to pay more. '' When I refused he changed tactics and said, " Ok you got ta make a settlement than. You got ta pay it off. '' I again said I could n't. He said I had to and asked how much I could pay. I stated again that I could maybe pay {$50.00} but wo n't since I have a payment plan and he told me they ( XXXX ) would n't accept that, very sarcastically. Maybe they would accept {$120.00}. I told him no. I said I wanted to speak to a manager. He told me no. When I insisted he said in a mocking tone " Ooo are you going to offer my boss a deal? '' Then continued to say he would n't connect me. When I would n't budge he finally transferred me to a voice mail. \n Company disputes the facts presented in the complaint Diversified Adjustment Service, Inc. UT 841XX Older American Consent provided Web 10/07/2015 Closed with explanation Yes Yes 1597773
496220 10/13/2015 Debt collection Non-federal student loan Disclosure verification of debt Right to dispute notice not received As per the correspondence, I received from : XXXX - Dated : XXXX XXXX, 2015/ CORRESPONDENCE RECEIVED XXXX/XXXX/2015. \n\nThis is to inform you that I 've recently pulled my credit report and noticed that there 's a collection listing from XXXX on my credit report. I WAS never notified of this collection action or that I owed the debt. This letter is to inform you that I would like a verification of the debt and XXXX ability to collect this money from me. \n\nUnder the FDCPA, I have the right to request a validation of this debt. I request that XXXX verify to me and prove that I am indeed the party who is contractually obligated to pay off this assumed fraudulent debt. Upon your review of my XXXX XXXX Financial Aide Records, your re-investigation will determine, there were no account balances. XXXX See attached e-mailed documents ). Enclosed with this email. \n\nThe XXXX should be made aware that reporting any invalidated information to major credit bureaus may constitute defamation of character. In addition, you must also be aware that until you validate this debt, you can not continue collection activities or report this information to the credit bureaus. Non-compliance with this request may land XXXX in serious legal trouble with the Federal Trade Commission XXXX FTC XXXX and other state/federal agencies. \nUnder the FDCPA, debt collectors XXXX collection agencies or CAs XXXX are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice should also inform you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. \n\n\n\n\nRe : False Certification of Student Eligibility or Unauthorized Payment Discharge are unacceptable. \nPlease be advised, I XXXX XXXX XXXX XXXX may be eligible for a discharge of my Direct Loan or XXXX Program loan under these circumstances : According to this correspondence received : XXXX - / or an unauthorized agent at XXXX XXXX XXXX evidently school signed my name on the application or promissory note without XXXX XXXX XXXX authorization or the school endorsed XXXX XXXX XXXX loan check or signed XXXX XXXX XXXX authorization for electronic funds transfer without XXXX XXXX XXXX knowledge, unless the proceeds of the loan were delivered to the wrong address or applied to charges owed by XXXX XXXX XXXX the school. - As reported, I XXXX XXXX XXXX XXXX never received any disbursements ' from the XXXX See Invoice Statement. Generated, by attached emails from XXXX Payment History Financial Aide Account. - I did not receive these funds. Neither were they deposited into my checking account. \n Company believes it acted appropriately as authorized by contract or law Financial Business and Consumer Solutions. GA 314XX Older American Consent provided Web 10/13/2015 Closed with explanation Yes No 1604084
496634 03/11/2016 Debt collection Credit card Taking/threatening an illegal action Threatened arrest/jail if do not pay A company called " XXXX XXXX '' or " XXXX XXXX XXXX '' said they are trying to collect on a credit card debt with a bank I do n't recall opening. I have not received any notice of any collections attempt and I am current on all my payments for every debt. They threatened jail time if I did n't resolve the matter. They knew my address and the last XXXX of my social security number so I gave them my credit card number to settle the debt. But I did a XXXX search on " XXXX XXXX '' or " XXXX XXXX XXXX '' and nothing came up, which made me suspect this is a scam. Even the website they gave me does n't work : XXXX \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Citibank CA 941XX Servicemember Consent provided Web 03/11/2016 Closed with explanation Yes No 1825977
496668 01/12/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine This is a debt owed by a previous husband who did not reside with me at time debt was incurred. This agency has been informed of this by my attorney and has changed the name on the debt to mine. I thought this was resolved over a year ago but suddenly they are calling again and have just recently began sending demands in my name. The address with the original debtor is not even my address. \n Company can't verify or dispute the facts in the complaint Continental Credit Control CA 922XX Older American Consent provided Web 01/12/2016 Closed with explanation Yes No 1736029
496928 02/05/2016 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Used obscene/profane/abusive language On XXXX XXXX, 2016 I received a phone call from ( XXXX ) XXXX XXXX at XXXX am EST, stating she was a debt collector from XXXX in XXXX. I live in XXXX and asked that the bill be sent to me. The agent refused and said I needed to pay and that " we sent you the bill you just trashed it '' at that point I told her the phone call is recorded and she laughed and ended the call. I as simply asking for the bill to be sent to me and telling me that I " trashed '' the bill instead of sending it to me is completely harassing and making lude comments about throwing things away is unnecessary. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Source Receivables Management LLC SC 294XX Servicemember Consent provided Web 03/07/2016 Closed with explanation Yes No 1775632
497046 02/25/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine CMRE Financial Services of XXXX CA, specifically, XXXX and XXXX XXXX, submitted collection actions to the credit reporting agencies which dropped my credit score over XXXX points and prohibited me from getting jobs as I work XXXX and the collections on my account would make me ineligible for jobs in the industry. I contacted CMRE and they acknowledge that reporting invalid debts is illegal they only apologize and state they will remove them from the credit report. This does n't fix the fact that I 've been unable to apply for jobs due to the collections being on my report. The debts were clearly paid and no longer existed but CMRE did n't do due diligence to ensure the debts were valid and legitimate. They refuse to accept responsibility for their wrong doing. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response CMRE Financial Services, Inc. OH 450XX Servicemember Consent provided Web 02/25/2016 Closed with explanation Yes Yes 1804113
497234 06/17/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine A relative used my social security number to obtain XXXX XXXX XXXX. I contacted XXXX XXXX and made payment arrangements with the person who used my social security number. After explaining that I did not use their services, services were provided in XXXX and I live in XXXX. The debt was taken off my credit report but now is back on and causing my credit score to be lowered. The bill is now being taken care of and wish to have the debt taken off my credit report. I also would like the company to stop calling me. I have provided all the information to have the debt paid for even though it is not my debt. Can this be taken off my credit report. \n Company chooses not to provide a public response Receivables Performance Management LLC AR 722XX Older American Consent provided Web 06/17/2015 Closed with explanation Yes No 1425529
497333 06/23/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine They keep calling me although they have the wrong name. I told them in so many words but they still call. \n Company chooses not to provide a public response Receivables Performance Management LLC IL 600XX Older American Consent provided Web 07/01/2015 Closed with explanation Yes No 1433299
497356 03/03/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Got a phone call from XXXX No listing on Caller iD as to name I looked the number up online and It belongs to Aargon Agency. I do not have bills past due. or any reason for a debt agency to call me. It was a robo call, for me to call a number about this debt. Call was XXXX XXXX/XXXX/2016 \n Company can't verify or dispute the facts in the complaint Aargon Agency, Inc. IN 469XX Older American Consent provided Web 03/03/2016 Closed Yes No 1814146
497377 03/09/2016 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Used obscene/profane/abusive language With the assistance of All Clear they called Aspen National Collection to see why a collection account was placed on my credit file, called at XXXX speaking to XXXX XXXX, attempted to explain an issue that was under court order for my ex to pay since in settlement she received the money to pay he was rude, did not want to discussed and said it was a waste of his time and just hung up. It is a Time Share issue in our joint names and he claimed that only I was responsible and that if I was not making arrangements to pay he did not want his time wasted. All Clear stated to file this complaint since even after getting authorization from me for them to discuss the issue he just hung up on us. \n Company believes complaint represents an opportunity for improvement to better serve consumers Aspen National Financial, Inc. PA 190XX Older American, Servicemember Consent provided Web 03/09/2016 Closed with explanation Yes No 1823621
497392 12/07/2015 Debt collection I do not know Communication tactics Frequent or repeated calls Automated system calls at various hours 7 days a week but when I answer there is a recording to call back, they are a debt collector. I have called back and been put on hold until I just hang up. I have no idea what they want or who they are. Our above number has been on the do-not-call registry since 2007. Additionally, we do n't have any debt. \n Company believes it acted appropriately as authorized by contract or law ERC LA 705XX Older American Consent provided Web 01/08/2016 Closed with non-monetary relief Yes No 1686006
497510 12/31/2015 Debt collection Medical Communication tactics Used obscene/profane/abusive language Credit Adjustment Board contact me in reference to a {$140.00} medical bill that I owe and I told them im unemployed and made arrangements with the dr office directly and was going to pay them directly and was basically cursed out and told she was going to list my file as a refusal to pay and send it to the courts. \n Company believes the complaint is the result of a misunderstanding CAB Receivables, Inc. VA 232XX Servicemember Consent provided Web 12/31/2015 Closed with explanation Yes No 1723627
497513 02/21/2016 Debt collection Credit card Cont'd attempts collect debt not owed Debt resulted from identity theft I was scammed on my XXXX credit card by someone I met on line at a dating site called XXXX. I have sent all this information to XXXX Credit Card and they will not forgive the amount of money I was scammed. I live only on Social Security and can barely make ends meet. XXXX has been harassing me for this money and they have turned me over to a debt collection agency. I have reported this to my local police department, Internet Crime Complaint Center, the Federal Trade Commission, And now to you the CFPB. \n Company chooses not to provide a public response Allied Interstate LLC CT 060XX Older American, Servicemember Consent provided Web 02/21/2016 Closed with non-monetary relief Yes No 1796877
497686 12/17/2015 Debt collection Credit card Disclosure verification of debt Not given enough info to verify debt Years ago, I think XXXX, I saw on a credit report that and old credit card debt from MBNA was charged off. Did not check again until I was informed by XXXX XXXX this month XXXX 2015, that there was a Judgment Lien on my credit report. XXXX Portfolio had obtained a default judgment against me without any notice to dispute. I had no knowledge of the lien for almost seven years. I believe this debt was charged off and the sold to XXXX who then tried to collect on an expired debt. I looked up XXXX on your sight and found out I am not alone, that thousands of consumers are being punished for fraudulent and illegal practices committed by XXXX. Now I found out XXXX sold the same time-barred account to XXXX XXXX and they are continuing to try and collect the same account that was charged off by the original creditor. Looking at Consent Order XXXX I think I am XXXX of the Eligible Consumers who should have the judgment vacated and removed from my credit report. Thanks in advance for any information or help your organization can provide. I did learn that now I will check my credit report at least once a year. \n Company chooses not to provide a public response Bank of America PA 156XX Older American Consent provided Web 12/21/2015 Closed with explanation Yes No 1701993
497744 07/17/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not disclosed as an attempt to collect I had been paying off my XXXX bill after I switched phone carriers. I was paying what I could and I would receive new updated billings. Then, without notification my balance due of {$140.00} was turned over to debt collector. \nAs someone who was paying off as much as I could and making progress I feel that it was wrong to turn this over to a debt collector. \nXXXX XXXX ( XXXX ) XXXXXXXXXXXX \n Company chooses not to provide a public response Receivables Performance Management LLC CA 930XX Servicemember Consent provided Web 07/23/2015 Closed with explanation Yes No 1478045
497806 03/12/2016 Student loan Non-federal student loan Can't repay my loan Can't temporarily postpone payments I filed for chapter XXXX bankruptcy relief on XXXX/XXXX/2015. My case was dismissed due to not paying my installment fee by due date. My case was re-opened. During the time that my case was dismissed creditor I am complaining against sent me another attempt to collect debt from a completely different company ( since they were included in my list of creditors ). I went to bankruptcy clerk to amend my list of creditors to include this company although they were originally listed as ECMC. About two weeks later I received an attempt to garnish my wages from the same company but using an address different than the one I included in my amendment. I should not be receiving any attempts to collect as I am under an automatic stay and have also requested an extension to my stay due to my case being temporarily dismissed and re-opened. I have been disputing the validity of this debt for 10+ years and this debt keeps being resold to different creditor companies. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response ECMC Group, Inc. CA 948XX Servicemember Consent provided Web 03/16/2016 Closed with explanation Yes No 1828736
497820 10/06/2015 Debt collection Credit card Communication tactics Frequent or repeated calls It 's an automatic recording from Macy 's to get a credit card. When you call XXXX you get Macy 's phone tree routing system which continues to ask for your account number for which I have none. When I finally got to a human being she had no clue why I called. She was there for receiving accounts open payments. This took over an hour to get to her. So there is no where to call to have them stop. It 's getting to be twice a day. Last week I relisted with the " Do not call list '' for both phones. \n Company chooses not to provide a public response Citibank CA 954XX Older American Consent provided Web 10/06/2015 Closed with non-monetary relief Yes No 1594282
497921 12/22/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt After pulling my credit report in XXXX, I notice a few accounts with a huge outstanding balance owed to Meridian Financial. I contacted Meridian Financial on XXXX/XXXX/XXXX. I spoke to XXXX about options for a plan to pay off the obligation. At that time, she said l would have to pay a lump sum of {$3000.00} in order for the account holder to look at the possibility for payment. \n\n\n\nI called Meridian Financial on XXXX/XXXX/XXXX and spoke with XXXX. I asked XXXX about my Credit Report and that it stated that I owe {$7500.00} and XXXX accounts. He informed me that the total is {$9400.00} and XXXX accounts on his records. XXXX stated that Meridian Finical Services a lump sum of {$3000.00} by XXXX/XXXX/XXXX or they are going to put more stuff on my credit report. Also, they could n't work with a payment plan until I pay {$3000.00} to possibly get approve for a payment arrangement. \n\n\n\nI spoke to XXXX at XXXX XXXX on XXXX/XXXX/XXXX at XXXX am. He told me that there is no one at XXXX XXXX can help me or speak to me about the account due to the delinquent status. He informed me to call Meridian Financial Services at XXXX ( but the # 's I have on file is XXXX ). I informed him the reason I contacted him due to not getting help with a payment plan from Meridian Financial Services and that I will be filing a complaint with the Consumer Financial Protection Bureau. He then gave me an email to contact the General Manager : XXXXXXXXXXXX. He then thanked me and said " have a good day ''. \n\n\n\nAt XXXX XXXX on XXXX/XXXX/XXXX, I spoke to XXXX at Meridian Financial Services about the situation and he forward me to XXXX XXXX, where I left a voice mail at XXXX XXXX requesting a statement summary. \n\n\n\nI was not confident that XXXX XXXX would call me back so I called again at XXXX XXXX and spoke with XXXX. He looked at my account and said about the same thing. I asked if he could give me a summary of my account so I can visually see what is going on with my account. He said he could not and is not allowed to give me a statement of account or a letter with the proposal for repayment. \n\nI researched the complaints on this site and there are XXXX complaints against Meridian Financial Services listed in the database. \n Company chooses not to provide a public response Meridian Financial Services, Inc. NC 285XX Servicemember Consent provided Web 12/22/2015 Closed with explanation Yes No 1712158
497995 03/08/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine In 2012 was seen at The XXXX XXXX XXXX XXXX. They took my insurance. I am XXXX insured. They filed my primary insurance and did not file my supplement insurance which also covers any deductible. I wrote them letters and tried calling and they refused to answer. They sold the balance of my account for {$55.00} to a collection agency - CMRE Finance, XXXX XXXX XXXX, XXXX, CA XXXX. When contacted I asked for a copy of the charges. Never received from either agency. They acknowledged the XXXX billed my supplement company, but because it was over a year they would not pay. CMRE Finance filed with the credit bureau 's even though erroneous billing had occurred. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response CMRE Financial Services, Inc. TX 770XX Servicemember Consent provided Web 03/08/2016 Closed with explanation Yes No 1822960
498068 03/11/2016 Debt collection Medical False statements or representation Attempted to collect wrong amount I spoke to Cmre rep a few times. They keep asking for the FULL AMOUNT of original balance. They 're not the original creditor and ca n't pursue the full amount. I 'm a veteran and have notified them several times. They 've been extremely rude and management wo n't return a single call. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response CMRE Financial Services, Inc. CA 921XX Servicemember Consent provided Web 03/11/2016 Closed with explanation Yes No 1826066
498130 10/09/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Frequent or repeated calls I continue to receive calls from Receivables Performance claiming that I owe money. Lately they call continuously and do not answer. Multiple times a day. I have explained that I have not been given verification of debt since I had to pay XXXX XXXX XXXX a sum of money when I cancelled my service in store. When I do get a chance to talk to a representative, they are typically rude and tell me that I owe more money and did n't pay enough. \n Company chooses not to provide a public response Receivables Performance Management LLC CA 907XX Servicemember Consent provided Web 10/09/2015 Closed with explanation Yes No 1601325
498139 01/09/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine 3rd time this company has tried to collect for a fictitious debt. I filed a complaint about this same company on this site before, so this time the company has changed the name of the phony debtor. This is not my debt. The last time this happened, I called the company. They said the social security # they had did not match mine. They apologized and said they would stop sending bills to me. I 'm getting tired of this, it is a scam. I do not owe any outstanding debts to anyone. \n Company believes it acted appropriately as authorized by contract or law First National Collection Bureau, Inc. OR 970XX Servicemember Consent provided Web 01/09/2016 Closed with explanation Yes No 1734785
498325 01/16/2016 Debt collection Payday loan Improper contact or sharing of info Talked to a third party about my debt I submitted a general complaint to the South Dakota XXXX about how my payment was not taken out on time and I did not want any added fees or interest added to my account because the company chose to pull out my automatic payment 4 days later. Advance America responded to my complaint with specifics of my loan amounts, payment schedules and amounts of schedule, and types of loans to the third party ( The XXXX ). I never specified my amounts or payments. This information was disclosed in order to embarrass me publicly since the information is public record. XXXX CASE # : XXXX \n Company believes it acted appropriately as authorized by contract or law Advance America, Cash Advance Centers, Inc. SD 571XX Servicemember Consent provided Web 01/16/2016 Closed with explanation Yes No 1744049
498330 01/15/2016 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect I mistakenly took a {$650.00} loan/payday loan which the lender describes as an installment loan on XXXX/XXXX/15 because I had expenses I could n't afford. I did n't realize the APR was 388.28 % nor do I have a copy of the loan disclosure. \n Company disputes the facts presented in the complaint Enova International, Inc. SC 297XX Older American Consent provided Web 01/15/2016 Closed with explanation Yes No 1745814
498338 01/11/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine ALLIED INTERSTATE LLC continued to report an XXXX account that, does not belong to me, and also has repeatedly been removed from my credit report, yet, they continue to try and re-report the account. This is illegal the next step will be to bring a lawsuit. \n Company chooses not to provide a public response Allied Interstate LLC NY 133XX Servicemember Consent provided Web 01/11/2016 Closed with non-monetary relief Yes No 1735930
498389 03/15/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine I am XXXX military and as such receive XXXX % coverage of all medical and am void of any financial liability. I 'm protected by my federal military enlistment contract and the Soldiers and Sailors Act. I asked if they accepted tricare - they said yes. I told them that I would not approve any treatment not covered under my insurance. I was told it would be no problem. This is an issue that needs resolved between the medical biller and my insurance company. Whatever that end is, I should not be considered a responsible party. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response CMRE Financial Services, Inc. TX 770XX Servicemember Consent provided Web 03/15/2016 Closed with explanation Yes No 1832720
498395 01/11/2016 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Called after sent written cease of comm I receive recorded computer calls twice per day, every day. I know about the debt and have called them to please back off. This is harassment plain & simple. \n Company chooses not to provide a public response Bank of America TX 773XX Older American Consent provided Web 01/11/2016 Closed with explanation Yes No 1736503
498532 01/13/2016 Debt collection Credit card Taking/threatening an illegal action Threatened arrest/jail if do not pay I went to the offices of Foster & Garbus who are debt collectors. When at the offices i signed an agreement to pay off my debt that they represent ( XXXX ). While there I provided documentation for the initial payment thru XXXX XXXX. When it came time for my second payment I was instructed that my settlement agreement was nullified due to non-payment of the first stipulation payment. Upon investigation it was Foster & Garbus who was in error because the funds sent for payment was confirmed by XXXX XXXX that they received the funds and the voiding of my stipulation was in error. \n Company believes it acted appropriately as authorized by contract or law Forster & Garbus LLP NY 100XX Servicemember Consent provided Web 01/13/2016 Closed with explanation Yes No 1740742
498584 01/08/2016 Debt collection Credit card Cont'd attempts collect debt not owed Debt resulted from identity theft I orderd some clothes off the internet online XXXX compiney was Chief- Inforcement apereal.com $ XXXX # XXXX and the other XXXX was XXXX XXXX XXXX XXXX and am a Student I.D. # XXXX IL. XXXX where thay where deliverd at was XXXX XXXX XXXX XXXX XXXX MN. XXXX Ph # XXXX The dead line is here and I wont my clothes Bank where the transactions would have been made was Wellsfargo XXXX XXXX XXXX XXXX MN . XXXX Ph # XXXX XXXX XXXX XXXX \n Company chooses not to provide a public response Wells Fargo & Company MN 551XX Servicemember Consent provided Web 01/12/2016 Closed with explanation No No 1734659
498624 03/19/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine On the XXXX/XXXX/16 this number ( XXXX ) called both my home number, and cell phone and left a message on my cell, instructing me to call XXXX, ref # XXXX regarding an attempt to collect a debt. The number XXXX has also been calling my cell, also. I do not have any overdue debts ; all of my payments are current, and I verified this with my credit report. I am thinking this may be in regards to my son, who does have some outstanding debt. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Navient Solutions, Inc. FL 347XX Older American Consent provided Web 03/19/2016 Closed with explanation Yes No 1838765
498679 03/12/2016 Debt collection Credit card False statements or representation Attempted to collect wrong amount Central Credit Services LLC who works for XXXX XXXX constantly called me at home and at work many times until I made an agreement them to makeup payments on my account because it had fallen past due because of financial hardship. We made an agreement XX/XX/2015 for XXXX. They told me the account would not go further pat due and I would not incur more fees. Which was a lie I was charged XXXX dollar late fees every month even during the agreement and I with the combination of interest and late fees XXXX percent of my payment is going to XXXX XXXX when I complained they told me I had to make a make up payments of XXXX dollars to avoid the fee which is incorrect past due amount is XXXX according to XXXX XXXX and my credit report is reporting past due of XXXX. Further more in XXXX 2015 my account went further past due on my credit report even though I was making payments since XXXX of 2015. I sent the company 2 extra payments of XXXX from a shared account I have with my wife to make up for payments. I asked them just to debit those XXXX amount on this account but they continued to debit this account which I did not authorize which caused the account to incur NSF fee. This company has taken advantage of me trying to repair my credit has lied about not incurring fees has lied about my account not being reported deeper into past due status on my credit report and has taken money from my account with out my authorization.I have done everything they had asked me but had lied about the outcome. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Radius Global Solutions LLC MD 208XX Servicemember Consent provided Web 03/12/2016 Closed with explanation Yes Yes 1829345
498719 03/06/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine They have reported a debt for XXXX to the credit reporting agencies and it has ruined my credit. I do n't have XXXX nor have I ever had XXXX. It just appeared on my reports, and I want it removed immediately \n Company believes it acted appropriately as authorized by contract or law Credit Protection Association, L.P. TX 773XX Older American Consent provided Web 03/08/2016 Closed with non-monetary relief Yes No 1817706
498785 02/11/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I was having installment payments withdrawn from my banking account by the original creditor ( CITIBANK , N.A . ) concerning debt in question. \nCitibank , N.A . has unethically, unfairly, and fruadulently reported unwarranted debt information to XXXX XXXX XXXX concerning my account. \n Company chooses not to provide a public response Citibank NC 282XX Servicemember Consent provided Web 02/11/2016 Closed with non-monetary relief Yes Yes 1783821
498808 01/27/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine After repeated attempts to collect a false debt by phone, I was sent a collection letter dated XXXX XXXX, 2016. The letter was addressed to XXXX XXXX. There is no such person at our home address. The debt is for a cable bill incurred with XXXX XXXX XXXX. There has never been a XXXX XXXX account at our address. The cable provider for this address is XXXX XXXX XXXX. The collection bill from FBCS is the latest in a series of demands for payment previously made by phone which extend over a year. I have repeatedly informed the collection agents there is no such person at this address and no connection with the cable company. \n Company believes it acted appropriately as authorized by contract or law Financial Business and Consumer Solutions. CA 900XX Older American Consent provided Web 01/27/2016 Closed with explanation Yes No 1758020
498818 10/30/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I placed order XXXX cell phone on XXXX/XXXX/2014 through web & I received the phone on XXXX/XXXX/2014. Then I returned that wireless device to local XXXX wireless in XXXX XXXX XXXX XXXX, TX on XXXX/XXXX/2014 within 14 days with restock fee {$35.00}. And I contacted XXXX Customer Service. But this company has afflicted me by continued attempts to collect debt I do not know. So I had called Customer Service a lot and I had spent my time too much. To make matters worse, I have had to be exhausted by XXXX debt collectors over 1 year and 4 months. Therefore I am claiming my case to CFPB. I still have a receipt to return. \n Company chooses not to provide a public response Receivables Performance Management LLC TX 752XX Servicemember Consent provided Web 10/30/2015 Closed with explanation Yes No 1633877
498822 11/12/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid RPM placed a derogatory comment on my credit report, regarding a disputed debt with XXXX. XXXX has recently contacted me to say they have reversed the disputed amount in question and will contact RPM to remove any derogatory comments or other items that might affect my credit. RPM should remove any negative comments regarding my credit, as promised by XXXX. \n Company chooses not to provide a public response Receivables Performance Management LLC WV 257XX Older American Consent provided Web 11/16/2015 Closed with explanation Yes No 1651472
498840 03/18/2016 Debt collection Medical Disclosure verification of debt Right to dispute notice not received I was billed for medical services despite my submitting a written request at the time of admission to the hospital, that only physicians who are willing to accept Medicare as full and final payment should attend to me. The bill was never submitted to Medicare by the service provider. \n Company believes it acted appropriately as authorized by contract or law Gold Key Credit, Inc. NY 117XX Older American Consent provided Web 03/22/2016 Closed with explanation Yes No 1839471
498964 12/30/2015 Debt collection Auto Cont'd attempts collect debt not owed Debt is not mine in XXXX I attempted to purchase a car from XXXX XXXX XXXX XXXX Colorado. I had a XXXX that I had paid off and owned entirely. \n\nThe dealer then set up the paperwork for a ford van, trading my car in as collateral. \n\nAfter driving the van we discovered that it was previously damaged from an accident. \n\nThis is where things get weird. \n\nBefore we returned the van [ about 3 days ] they sold my car. I was then forced to buy a more expensive car, a XXXX XXXX. \n\nShortly after taking possession of the vehicle, XXXX XXXX XXXX began not posting our payments, then became threatening. \n\nAs I am a XXXX veteran and a negotiable person, I agreed to return the car back to the dealership completely undamaged [ which we did ] and left the keys inside the dealership. \n\nIn XXXX XXXX we left the US for 24 months. \n\nXXXX XXXX XXXX wrote off the contract as I returned the vehicle undamaged. \n\nThen- out of nowhere comes a case filed in court against us for the entire cost of the vehicle by some party not affiliated with XXXX XXXX . \nWe responded to the subpoena in writing mailed certified return receipt to the XXXX XXXX XXXX XXXX. \n\nThe certified mailed return receipt response was properly addressed and mailed within the required time to respond. \n\nSeveral weeks later, we received the same mailed certified returned receipt response [ unopened ] and refused by the judge- A judge XXXX . \n\nThat same judge then issued a summary judgement that did n't exist against me for some XXXX k. \n\nThe total price of the car, a car we did not have as we returned it to the dealership as agreed with XXXX XXXX XXXX. \n\nIn other words, a debt not real, or valid. \n\nThe debt was sold to a collections firm in XXXX Colorado [ Machol & Johannes ] that is not affiliated with BBB, and suspect for illegal collection practices. \n\nThey have upped the amount to nearly XXXX for debt I simply do not owe due to the judge refusing to open my mailed certified return receipt response and to review the fact that I had returned the car to the dealership undamaged as agreed with XXXX XXXX XXXX \n\nSomeone has repeatedly vandalized our only vehicle-a XXXX XXXX XXXX XXXX, rendering it inoperable. We believe that this may be the work of the collection firm. So I am out of any vehicle now. Its XXXX. \n\nThat XXXX collection firm that bought the debt is still trying to collect on a debt that never existed. \n\nI am tired of this constant illegality which began with a bait and switch by the XXXX dealer by the sale of the only car we owned [ the XXXX ], forcing me to purchase a much more expensive vehicle than I had intended-along with the harassment by XXXX XXXX XXXX which resulted I our returning the vehicle to the dealer undamaged- then the selling of the debt to a collection firm that is questionable in its business practices, Recently, I have noticed that a XXXX XXXX XXXX out of Ohio has been querying my credit record. \n\nIt seems no one has done anything to look into these illegal business practices \n Company believes it acted appropriately as authorized by contract or law Machol & Johannes, LLC CO 805XX Servicemember Consent provided Web 01/07/2016 Closed with explanation Yes No 1722170
499315 12/04/2015 Debt collection Credit card Communication tactics Frequent or repeated calls Some months ago ( exact date not recalled ), I allowed my credit card to be used by a man and his wife ( who are long time friends ) for purposes of signing up for aXXXX XXXX account. Apparently they were very unhappy with the service and decided to return to XXXX XXXX with whom they had previously dealt. They contacted XXXX advising them of their desire to cancel service, and returned the equipment in packaging provided by XXXX via the XXXX Post Office, however the gentleman failed to obtain a return receipt for his own records. \nUltimately XXXX XXXX denied having received the equipment and told the couple they would be charged for it accordingly. A dispute resulted and the couple refused payment or further responsibility, at which point the matter was turned over to some collection agency and from there to this current XXXX who eventually obtained my contact information and began making numerous calls to be, often as many as XXXX to XXXX calls in a single day. \n\nDuring my initial efforts to carefully explain and diffuse the situation, I made every possible effort to fully explain the entire matter at great length while remaining very thoughtful, considerate, and non-confrontational at all times with each person who contacted me. This continued for perhaps XXXX to XXXX different calls on various occasions, during which I repeatedly explained matters while also explaining my own extensive health problems and XXXX, but ASSURED that I would assume responsibility for the debt and further assure that it would NOT go unpaid ultimately, while further explaining that I first needed to get extra income available in order to meet existing expenses at moment. \n\nI was told that they would continue contacting me, and I told them that would be good and well on a reasonable periodic basis, but that the persistent and increasing number of calls on a daily basis was non-productive and could not accomplish anything of meaning either for themselves or my person in getting all of this taken care of. The gentleman at that time assured me that the constant and daily flow of calls would be addressed right away. Regretfully that never happened, and the calls have continued in spite of my efforts to stop them by " blocking '' and other measures, however I no longer bother to respond because it apparently does n't mean anything. \n\nIn terms of personal health, I have serious heart, respiratory, and central nerve issues all of which are admittedly being aggravated by the stress resulting from what has become a matter of sheer harassment, and while having done my utmost to address these matters in a fully responsible, considerate, and prudent manner it has seemingly been to no avail. I would most deeply appreciate whatever manner of relief might be available at this point, because the added stress is more than a little difficult to deal with at the moment please. \n\nOriginally this dispute revolved around a claim by XXXX XXXX that the equipment returned had not been received, however the claim has since been made that the clamed charges are due to a matter of " early termination '' leaving me to wonder if they are even clear concerning the stated nature of this entire issue. \n\nThank you for your thoughtful attention and consideration in this matter, and I wish you all a wonderful holiday season. \nSincerely, XXXX XXXX XXXX ( XXXX ) XXXX \n Company chooses not to provide a public response Receivables Performance Management LLC OR 971XX Older American Consent provided Web 12/04/2015 Closed with explanation Yes No 1683813
499335 01/20/2016 Debt collection I do not know False statements or representation Impersonated an attorney or official They keep calling my Home phone #, my Cell Phone, my wife 's Cell phone continuously for two days now. They are looking for someone who has the same last name as me. I 've told them I do n't know them and they just keep calling & harassing my family. They are using the name of Evergreen Acquisitions, their # 's are XXXX, XXXX XXXX, XXXX XXXX It shows up as XXXX. XXXX on my caller ID. \n Company believes the complaint is the result of a misunderstanding Evergreen Acquistions, LLC FL 326XX Older American Consent provided Web 01/20/2016 Closed with explanation Yes No 1750923
499381 01/24/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine This collection agency place a collections on my credit reports that do not belong to me. They tried this last year too. \nGOLD KEY CREDIT INC XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX \n Company believes it acted appropriately as authorized by contract or law Gold Key Credit, Inc. FL 328XX Older American Consent provided Web 01/29/2016 Closed with explanation Yes No 1755274
499598 03/29/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I purchased a home in XXXX XXXX at XXXX XXXX XXXX, XXXX XXXX, XXXX. This was a short sale purchased from the Bank. This fact is important as I am the first owner of home. The contractor that built the home went bankrupt and during that process he evidently allowed this couple to live there, in the contractor words-trying to recoup some monies. The house was built and not sold before contractor went bankrupt. Evidently a couple lived in house prior to me and had XXXX XXXX XXXX. Shortly after purchasing the home. Letters started to arrive for the previous occupant, then Deputies with warrant in debts. I advised all parties that that guy did n't live here and I had purchased the home. Incidentally I have been a XXXX customer for many years. I am currently a XXXX internet customer. After I called XXXX in XX/XX/XXXX and discussed the letters and deputies coming by stopped. Recently we have begun receiving letters from Stellar Recovery , Inc ( XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX ) ref this debt. A dept that is not mine. I did not even move to XXXX XXXX until XXXX XXXX when I purchased home. I believe what has happened is the collection agency did a records check and since I was the first owner of the home they attached my name. I have discussed with XXXX again. They said its not my debt, not my name, not my DOB and not my SSN. I just sent a letter to collection agency stating- Under the Fair Debt Collection Practices Act, a federal law, you may not contact me further once I have notified you not to do so. I wish to submit a complaint with you ref this collection agency. They are not utilizing any common sense in collecting this debt nor the facts. My only connection to this is the address of the home I purchased. We consider this harassment and want it to stop. Thank you in advance for your assistance \n Company believes it acted appropriately as authorized by contract or law Stellar Recovery Inc. NC 272XX Servicemember Consent provided Web 03/29/2016 Closed with explanation Yes No 1854435
499657 03/11/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I received a call from Convergent/Convergent Outsorcing/XXXX demanding payment of a debt from XXXX. I asked them for more information and they refused unless I would report ( " verify '' ) my current address and phone number. I said that I would not. The woman told me that I was required to. I said No, have a nice day and hung up. \nI have an account with XXXX, so I called them and was told that my account had not been released to collections and that the collection agency was lying. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Convergent Resources, Inc. NY 141XX Servicemember Consent provided Web 03/17/2016 Closed with explanation Yes No 1828160
499685 02/23/2016 Debt collection I do not know Communication tactics Frequent or repeated calls Caller continueso to call at least 3 to 4 times a week asking for personal information. Claiming they represent XXXX. \n Company believes it acted appropriately as authorized by contract or law Financial Corporation of America CO 809XX Servicemember Consent provided Web 03/14/2016 Closed with explanation Yes No 1798381
499748 03/04/2016 Debt collection Auto Cont'd attempts collect debt not owed Debt was paid in 2005 i bough a ford focus but i return the vehicle because it was defective the car could not start the tow truck came and pick it up i did not get it back 6 years later i was contacted a debit collector Rubin & Rothman they call me several time on the phone and send letter in the mail i keep telling them i do't have a contract and i do n't owe any money i have a XXXX balance i have contact ford XXXX and the account is close but Rubin & Rothman keep calling and sending letter in mail they take away both of my account saving and checking value {$6000.00} that 's more than the car cost \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Rubin & Rothman, LLC NY 105XX Servicemember Consent provided Web 03/08/2016 Closed with explanation Yes No 1815877
500326 01/09/2016 Payday loan Payday loan Can't contact lender Can't contact lender My relative XXXX XXXX used my info to obtain XXXX loans while I was incarcerated. {$360.00} from Remit Corp on XXXX and another {$1400.00} from XXXX XXXX XXXX. On XXXX XXXX all Mo. Doc records will verify I was in prison from XXXX until XXXX, 2015 I ca n't get any help. \n Company believes the complaint is the result of a misunderstanding Remit Corporation MO 631XX Servicemember Consent provided Web 01/13/2016 Closed with explanation Yes No 1734952
500457 01/22/2016 Debt collection Medical Taking/threatening an illegal action Threatened arrest/jail if do not pay None of the above seem to fit took the best one. I was in the Hospital in XXXX, XXXX, XXXX My Medicare advantage plan has now started charging a per diem charge for hospital stays day 1 - 6. Got a call from XXXX, told them to send me a bill, got my first bill in XXXX. XXXX had denied the orig. claim. total was {$800.00} I paid {$200.00}. XXXX/XXXX/XXXX and XXXX XXXX/XXXX/XXXX, Honor health sent me to collections the same day because I refused to make formal payment arrangements. The collection agency will not take payments said I had to talk to the Hosp. the Hosp will not take payments because they turned it over to collections. I only had 2 payments left and no one can decide where I should send them. The collection agency and Hosp want the full amount. I was told that XXXX XXXX REQUIRES a patient to set up payment arrangements. Can they demand full payment? I figured I 'd have this paid off in less than 6 months actually it would be 4 months so a payment arrangement contract did n't seem necessary. But now no one wants the MONEY. The per diem charge was new in XXXX usually we had a co-pay it came as a great surprise that now we have a per diem. They have me delinquent because the charge was for XXXX/XXXX/XXXX even though I did n't get a bill until XXXX XXXX. Is it true that even if you make your payments you can still be sent to collections? it seems a bit odd that a creditor would rather take 50 % than the entire balance. If they are willing to take 50 % I could do that.. Do n't know what to do now, I had planned to send the Hosp, XXXX on the XXXX of XXXX, but I am being told that the Hosp and Collection agency can not accept the payment. It used to be that if a payment was refused by the creditor the creditor risked having the debt cancelled, has that changed? XXXX citizens have enough problems we do n't need any more. \n Company believes it acted appropriately as authorized by contract or law Computer Credit, Inc. AZ 850XX Older American Consent provided Web 01/22/2016 Closed with explanation Yes No 1754736
500599 02/23/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine The company calling me is ERC, their phone # XXXX. They say the account is XXXX. It is a recording and they call three times a week. I have lived at the same address for 40 years and no one as every come forward, saying I owe them money. I pay all my bills off and do not owe anyone. Why have they not sent me a notice on what I owe and to whom? All I get is a recorded message. We are tried of all the phone calls ... ..Please help us ... \n Company believes it acted appropriately as authorized by contract or law ERC TX 786XX Older American Consent provided Web 03/24/2016 Closed with non-monetary relief Yes No 1799485
500614 03/21/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt resulted from identity theft This my second complaint against Professional Placement Service in the last 14 days. The debt for {$670.00} owed to XXXX XXXX XXXX XXXX do not belong to me. This debt is the result of identity theft. I am a victim of identity theft. I have never opened an account with XXXX XXXX XXXX. This debt is currently on my XXXX, XXXX and XXXX credit report. \n Company believes it acted appropriately as authorized by contract or law Professional Placement Services, LLC MN 554XX Servicemember Consent provided Web 03/21/2016 Closed with explanation Yes No 1840772
500630 03/21/2016 Debt collection Auto Cont'd attempts collect debt not owed Debt is not mine I was previously insured with XXXX XXXX XXXX. Due to unsatisfactory service with XXXX XXXX XXXX I cancelled my auto insurance coverage with XXXX XXXX XXXX in XXXX 2016. I am now receiving a bill from Credit Collection Services for {$27.00}. This is the first I have heard about any past due amount. Plus when I cancelled my policy with XXXX XXXX XXXX, my account was current. This is a debt I do not owe. \n Company believes the complaint is the result of a misunderstanding CCS Financial Services, Inc. CA 913XX Servicemember Consent provided Web 03/21/2016 Closed with explanation Yes No 1841983
500664 02/28/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt resulted from identity theft On XXXX/XXXX/XXXX I received XXXX debt collection letters from ERC regarding XXXX debts to XXXX XXXX, XXXX. XXXX in the amount of {$990.00} and XXXX in the amount of {$760.00}. I received another collection letter from ERC on the XXXX/XXXX/XXXX for another debt in the amount of {$260.00}. I do not owe these debts. \n\nI have already sent, submitted a proof of ID to XXXX last year regarding another debt. \n Company believes it acted appropriately as authorized by contract or law ERC GA 301XX Older American Consent provided Web 03/22/2016 Closed with non-monetary relief Yes No 1807924
500852 02/25/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine Number calls me multiple times a day \n Company can't verify or dispute the facts in the complaint Focus Holding Company FL 327XX Servicemember Consent provided Web 03/03/2016 Closed with explanation No No 1804666
500882 03/16/2016 Debt collection Credit card Communication tactics Threatened to take legal action I have already filed a complaint concerning XXXX XXXX placing a dunn on my credit scores. Now I am being contacted by XXXX XXXX XXXX, XXXX by phone & Nartey Law Group LLC is threatening a law suit. \n Company believes it acted appropriately as authorized by contract or law NARTEY LAW GROUP, LLC VA 226XX Older American Consent provided Web 03/16/2016 Closed with explanation Yes No 1836116
500935 03/15/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine I am XXXX military and as such receive 100 % coverage of all medical and am void of any financial liability. I 'm protected by my federal military enlistment contract and the Soldiers and Sailors Act. I asked if they accepted tricare - they said yes. I told them that I would not approve any treatment not covered under my insurance. I was told it would be no problem. This is an issue that needs resolved between the medical biller and my insurance company. Whatever that end is, I should not be considered a responsible party. \n Company believes it acted appropriately as authorized by contract or law Credit Consulting Services, Inc. TX 770XX Servicemember Consent provided Web 03/15/2016 Closed with explanation Yes No 1832963
501002 01/14/2016 Debt collection Payday loan Taking/threatening an illegal action Threatened arrest/jail if do not pay Wilson Riley and associates called and threatened to have a warrant issued and to sue me over a debt from XXXX or XXXX they curse at you called my ex wife and threatened her with the same even though at that time we have been divorced over 5 plus years. One man called and stated he was an investigator with the state of California. I have voice mails verifying the tactics they use and can forward it as I saved it. Wilson Riley and associates have called numerous times, we agreed to pay off the original amount and the XXXX payment was late as we were loading it on a card then we received another threatening call about a sheriff coming to our door with a warrant and that I will be sued and charged with wire fraud because we declined a wire transfer between states. They also said our agreement was null and void a d that my info was erased from their system, but on XXXX XXXX, XXXX they took out {$110.00}, so XXXX payments that are unauthorized were taking out, going by their words nothing should have been touched. \n Company believes it acted appropriately as authorized by contract or law Wilson, Riley & Assoc AZ 857XX Servicemember Consent provided Web 01/14/2016 Closed with explanation Yes No 1741111
501070 03/04/2016 Debt collection Mortgage Taking/threatening an illegal action Seized/Attempted to seize property Select Portfolio Servicing Inc. and XXXX XXXX XXXX are attempting an unlawful nonjudicial foreclosure on XXXX/XXXX/XXXX based upon a void note and void security deed/contract. \n\n1. The Loan was bought or sold out of the trust identified in XXXX below and was converted to a 30 year fixed conventional loan on or about late XXXX or early XXXX. The transaction by definition was a refinance of the original table funded adjustable rate loan which is classified as predicator per XXXX by Reg Z, to wit ( unenforceable ). See Exhibit XXXX, loan type. \n\n2. A foreclosure can not legally take place if the deed and note is for a different loan type than the lender/creditor is trying to collect on. The new 30 year fixed rate loan type must be described in the note and identified in the security instrument. it is not, see Exhibit XXXX, XXXX. We have not signed a new note or deed, and did n't actually sign the original deed and note in its current form, ( THEY ARE FORGERIES ) See Exhibit XXXX, XXXX, XXXX, the actual illegal signatures of the sales manager of the originator. \n\nA ) UCC XXXX. If illegality or fraud were involved in the original transaction, it can not be proved that the person is entitled to enforce the instrument. See Exhibit XXXX. &, XXXX ) XXXX XXXX ( b ). A person seeking enforcement of an instrument under subsection ( a ) must prove the terms of the instrument and the person 's right to enforce the instrument. See Exhibit XXXX, XXXX XXXX. A new 30 year conventional note, security deed, and new disclosures documents should have been executed. However, that never occurred. The current deed and note on record, although void by operation of law under TILA and Reg. Z, is still reflecting the old invalid table-funded predatory note and deed and is being used to try to foreclose. See Exhibit XXXX. \n\n4. In the foreclosure documents, they are intentionally misrepresenting a material fact to justify a foreclosure. See Exhibit XXXX. In the foreclosure documents SPS Inc. and XXXX XXXX XXXX is says they are operating on behalf of XXXX f/k/a the XXXX, as Trustee for the Certificateholders of CWABS XXXX it is a false statement. For the loan to be held in trust, a re-securitization had to occur, with a new XXXX XXXX number per SEC. \n\n5. No debt is owed to a party on a note and deed arising out of a " real estate closing '' where there was no loan made between the originator and the " borrower ''. in other words, XXXX XXXX XXXX XXXX, a division XXXX was the servicer and owned the of note at closing on XXXX/XXXX/XXXX, but was not present or disclosed at closing which means no consummation was made. See the date of the first endorsement on the allonge ( s ) to the note, and see who it was transferred to. See Exhibit XXXX, XXXX. Also note that the mandatory chain of transfer called for in the " XXXX '' was not met. See Exhibit-XXXX. chine of transfer. \n\n6. The loan is rescinded from its inception, effective by operation of law as of XXXX XXXX, XXXX. See Exhibit XXXX. The lender/creditor failed to respond or otherwise defend in a court of law as required by statute. See US Supreme Court 's mandate in the case XXXX ( XXXX XXXX, XXXX ). \n\n7. The U.S Supreme Court found that Section XXXX ( a ) " makes no distinction between disputed and undisputed rescissions ''. therefore, to respond in court in 20 days is not left to the discretion of the lender, it is a statutory requirement. \n\n8. XXXX XXXX, in the unanimous decision said, " the statute is clear on its face and therefore NOT subject to a judge 's interpretation of it ''. XXXX XXXX also said any attempt to raise " defenses '' to rescissions after 20 days would, if allowed, render the rescission NOT effective by operation of law until a judge reviewed it. Any Judge so ruling would be over-ruling the Supreme Court \n Company believes it acted appropriately as authorized by contract or law Select Portfolio Servicing, Inc GA 303XX Older American Consent provided Web 03/09/2016 Closed with explanation Yes Yes 1818836
501106 01/20/2016 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount The company that 's handling this specific debt, AR Resources, says that I owe money on XXXX different accounts with them. Upon the evaluation of my XXXX credit report, I found out that they 've still continued to list this debt TWICE, and have never corrected the issue. XXXX account was listed since XXXX XXXX, and the other since XXXX XXXX. To date, they 've never come forward to explain themselves and their error in judgement. This may have caused my credit to be rated more poorly, as well as other related issues. \n Company believes the complaint is the result of a misunderstanding AR Resources, Inc. PA 194XX Servicemember Consent provided Web 01/20/2016 Closed with explanation Yes No 1749739
501879 01/20/2016 Debt collection Credit card Taking/threatening an illegal action Sued w/o proper notification of suit There are multiple violations of the FACT, FDCPA, and NFDCS. Has not validated despite multiple requests other than stating that Defendant owes the debt. Refuses to provide any information on account or any type of indication that Defendant opened the account or show any evidence that the account is his. Did not notify Defendant of their right to dispute lawsuit. Did not give a " 30 day '' notice to dispute. Harassment and abuse of constant phone call and mailings despite request for validation and dispute of debt. Threatening that not settling the debt can result in " tax consequences '' and threatening to take money they are not entitled to take. Misleading and false representations ; legal documents are sent in plain envelopes or boxes written in sharpie marker. Legal docs have no dates, no dept # and are not stamped " FILED '' or have clerk names or any identifying stamp on them from the court. This makes docs look " less important '' and " fake ''. Also sending collection notices on legal type paper that resembles a legal document. Envelopes also do not indicate the law firm or from a lawyer. This is an attempt to deceive the Defendant into thinking they are not legal documents and thus, not respond to win a quick judgment. Initial court summons was not served properly. It was left with a child of 13 years of age at the residence. When the door was answered, the server threw the papers in the door onto the floor and walked off without saying anything. Further demands and threatening behavior. \nThis law office is known for these tactics and has multiple offense and rulings against them. They are a collection agency, but pretend they are not. \nPlease see case # XXXX in ( Nevada ) XXXX Justice Court. \n Company believes it acted appropriately as authorized by contract or law Guglielmo and Associates NV 895XX Servicemember Consent provided Web 01/20/2016 Closed with explanation Yes No 1749845
501887 12/29/2015 Debt collection Credit card Communication tactics Threatened to take legal action XXXX XXXX bought a credit card debt and forwarded it to Cohen & Slammowitz now known as Selip and Syanilou to be collected. A judgement had been placed at least XXXX years ago. They garnisheed for it. The IRS was collecting on my salary so this discontinued. They are now telling me this is not time barred debt, that it is a " money judgement. '' which there is no explanation for. They tell me it is XXXX credit card so I am confused as to why it would not be time barred. They are now threatening to lock my bank account to take funds. My husband & myself are both XXXX and I have a XXXX XXXX. This requires a lot of medication. I can not have my bank account locked and funds taken. This would be beyond detrimental. I need someone to help me on this case. \n Company chooses not to provide a public response Selip & Stylianou, LLP NY 144XX Older American Consent provided Web 01/14/2016 Closed with explanation Yes No 1720129
502084 03/08/2016 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not disclosed as an attempt to collect I sent two Validation of Debt certified letters to Receivable Performance. They have never responded to my request. Furthermore, the conducted credit inquires without authorization bt me either in written or oral form. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Receivables Performance Management LLC FL 331XX Servicemember Consent provided Web 03/14/2016 Closed with explanation Yes No 1822940
502095 01/11/2016 Student loan Non-federal student loan Dealing with my lender or servicer Having problems with customer service I am an active military member who financed a XXXX school education through private lenders. I was forced to pay the entire tuition up front. \nThe school was never able to properly train the students, and it eventually shut down before I was awarded a degree. I am now stuck with $ XXXX in debt and nothing to show for it. I spoke with XXXX XXXX XXXX at the XXXX XXXX XXXX Assistance Office, and he referred me to the CFPB and Office of Service Member Affairs. \nIn XXXX of XXXX I began XXXX. This was a XXXX accelerated program which I was told would take 6-8 months to complete. To no fault of my own, I was continually faced with significant delays in my training due to poorly maintained and XXXX, lack of available instructors, etc. In XXXX XXXX, after 26 months of training, the school unexpectedly closed leaving myself and several other students unemployable with incomplete training and mountains of debt. \nIn XXXX XXXX, the owners of XXXX XXXX XXXX filed for Bankruptcy under Chapter XXXX and I was settled with a significant amount of student loan debt for training I had not yet received. I was told by the Bankruptcy court that through Chapter XXXX Bankruptcy, no action could be taken against the owners and that private student loans could not be forgiven through bankruptcy. At this time we also learned that the school was not bonded as required, and that the State had been investigating the company for some time now. They had little to no assets. \nThe next several years were spent working on my XXXX Degree through XXXX University and working as much as possible to support my wife and I and to pay off my debts, all while trying to figure out how to complete my education to qualify me for a job XXXX. In the XX/XX/XXXX I learned of the XXXX program through the United States XXXX and began the application process right away. In XXXX of XXXX, I was selected, and just days after my XXXX son was born, I joined the United States XXXX. In XXXX I left XXXX, and upon completion XXXX I was sent to XXXX to attend XXXX After becoming a XXXX, I successfully completed XXXX Course XXXX and started XXXX XXXX XXXX, which I completed and graduated from just last month as a XXXX. \nThe time since XXXX XXXX XXXX 's closure has been especially trying both financially and emotionally for my wife and I. It has placed a significant financial hardship on our family as we 've struggled to meet our needs, provide for our XXXX children, and have had to place all other financial goals on hold due to the substantial amount of student loans we are paying monthly. We pride ourselves on our desire to be financially responsible and to maintain a good financial standing and feel we have managed these loans to the best of our ability, however it is becoming increasingly more difficult to manage. We feel especially blessed and grateful to have found XXXX XXXX we have through the XXXX XXXX and we are pleased to be a part of the XXXX 's aviation family, however the reality is that we continue to face the consequences of the schools dishonest dealings on a daily basis and will for many years to come until we are able to pay off all of these debts and the substantial interest they 've been accruing. We sincerely appreciate any help or assistance you might be able to offer on our behalf and thank you for considering our claim and looking into this further for us. \n Company chooses not to provide a public response Wells Fargo & Company UT 847XX Servicemember Consent provided Web 01/11/2016 Closed with explanation Yes No 1736840
502151 03/15/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine First National Collection Bureau , Inc. sent me a letter ( along with a payment book ) indicating that I owe over {$5000.00} to a company I never incurred debt from. On this letter, they indicated that this " debt '' was from 2007. After further research, it was determined that this company has been practicing in false/scam situations similar to this one for years. I ran my credit report ( as a safety precaution ), and saw that this debt is not and never was on my credit report. Upon further research, I saw that this company has MANY class action lawsuits pending against them. \n Company believes it acted appropriately as authorized by contract or law First National Collection Bureau, Inc. NY 136XX Servicemember Consent provided Web 03/15/2016 Closed with explanation Yes No 1830717
502232 02/29/2016 Debt collection Medical False statements or representation Attempted to collect wrong amount This XXXX will not receive payment for {$51.00}. I want to be removed from collections or I may contact the media to advise people what kind of office this is. I put down my eyeglass case next to my {$69.00} Bluetooth. When I went to leave just my eyeglass case was there. Not my Bluetooth. When I asked them about my headset they said they never saw it. I am XXXX or I would take them to court. When I asked all the staff there about my Bluetooth, but nobody there saw it. I want to be removed from collections \n Company has responded to the consumer and the CFPB and chooses not to provide a public response I.C. System, Inc. NY 109XX Older American Consent provided Web 02/29/2016 Closed with explanation Yes No 1808980
502234 03/16/2016 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received I co-signed for an extended family member to get an apartment for he and his XXXX small children. He did not pay the rent. He was evicted. The debt to the apartment complex was put in to collections with IQ Data Collection and I have been harassed by them for two years. Yesterday I contacted them to get payoff information and I was told they would settle for {$.00} on a dollar but would not remove it from my credit report, unless I paid them {$.00} on a dollar. That does not seem legal to me. That is blackmail or extortion. Help, I want to settle this debt and get my good credit back. \n Company believes it acted appropriately as authorized by contract or law I.Q. Data International, Inc. MA 026XX Older American Consent provided Web 03/16/2016 Closed with explanation Yes Yes 1834710
502271 03/19/2016 Debt collection Mortgage Cont'd attempts collect debt not owed Debt was discharged in bankruptcy We filed Chapter XXXX bankruptcy, discharged on XXXX/XXXX/2006. One of the accounts that was discharged was for a mortgage with XXXX XXXX XXXX ; we recently received communication from Ditech that they had purchased the loan and that we owed them for the house. We disputed this, stating that it had been discharged via bankruptcy, they sent us a copy of the original loan with our signatures on the promissory note and stated that this was proof we owed the loan. The account was discharged, that was confirmed by both XXXX and another agent that had purchased the account, XXXX XXXX XXXX. \n Company believes complaint is the result of an isolated error Ditech Financial LLC IN 469XX Servicemember Consent provided Web 03/19/2016 Closed with non-monetary relief Yes No 1840284
502317 01/01/2016 Debt collection I do not know Communication tactics Frequent or repeated calls For 1-1/2 yrs ( est. ) Dyck O'Neal Inc.- a debt collector ( Texas addresses ), has repeatedly left the following message : " We have an important message from Dyck O'Neal Inc . This call is from a debt collector. Please call XXXX. '' Always the same words spoken in the same female voice, left on our home voice mail. We ran a Credit Report and found no unsatisfactory ratings. No one has been trying to collect debt from us, to our knowledge. We 've followed advice to avoid communicating directly with the company, and are attempting a solution through the Bureau of Consumer Finance. [ I was distressed to learn that debt collection businesses are exempt from restrictions on telemarketing ( which is what this sounds like to us ) - i.e., it is legal for them to ignore the Do Not Call Registry. ] We are looking for an answer to this recurring annoyance. \n Company believes it acted appropriately as authorized by contract or law Dyck-O'Neal, Inc. TN 374XX Older American Consent provided Web 01/28/2016 Closed with explanation Yes No 1724485
502559 03/04/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I was contacted by a singles site called XXXX. I had just went to an interview with them in XXXX 2015. The person persuaded me to sign up with thier services. I gave a {$500.00} down payment towards having XXXX dates with XXXX elegible bachelors. I explained I would not be available for another month and was told it would be fine. Two days later I received a distirbing call from a young man who represented himeslf from the company and he wanted my credit card in order for the services to begin. I refused and told him I was no longer interested since there was a conflict in our initial agreement. I then began receiving bills from them where each month the amount was doubling. I received an email from the original sales person asking me to call her. I no longer wished to speak with her since she had falsely represented what they promised. I attempted to send an email, but it was returned. I tried calling the company and the number was out of service. I am getting OMEGA debt collection calls on this who want to negotiate a settlement. XXXX XXXX XXXX ia thier number. \n Company believes it acted appropriately as authorized by contract or law Omega RMS, LLC NC 282XX Servicemember Consent provided Web 03/18/2016 Closed with explanation Yes No 1816829
502932 03/11/2016 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt For my Timeshare bill, the company does not send me a statement. I can not send my payment to the physical timeshare place ( in PA ) because they will not accept the payment. They use a service called Concord. Concord does NOT send me a statement for the amount but then sends me a collection notice and charges me an extra {$35.00} to take my payment. This has happened for the past 2 years. I ask for them to send me the statement or the copy of the statement and they never do. They also will not email me the statement. I feel this is a bait and switch. I want to make my payment, but they do not make it easy and I believe they intentionally send everyone to collections for the extra {$35.00} and late fees. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Concord Servicing Corporation SD 577XX Servicemember Consent provided Web 03/11/2016 Closed with explanation Yes No 1827918
502933 01/27/2016 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Talked to a third party about my debt The collector called my XXXXyr old mother up to several times in one day over more than a week, leaving a message, asking for me. Not leaving a personal name, but a phone number and account number. \n\nThis collector is from a landlord dispute that we have from a former apartment. \n Company believes the complaint is the result of a misunderstanding Hunter Warfield, Inc. FL 328XX Servicemember Consent provided Web 01/27/2016 Closed with explanation Yes Yes 1758794
502967 03/03/2016 Debt collection I do not know Communication tactics Frequent or repeated calls " if this is not ( my name ) please call us back at XXXX XXXX XXXX to have your phone number removed from this account and discontinue listening to this message. This is Credit Protection Association calling concerning an important business matter. Please call us back at XXXX XXXX XXXX, please refer to account reference # XXXX. This is an attempt by a debt collector to collect a debt and any information received will be used for such purposes. Again, our phone number is XXXX XXXX XXXX, thank you. '' I received a voicemail with this message earlier. I googled the phone numbers and found only that it appeared to be spam. I did find a " possible '' connected website during my search, XXXX, and I entered the account reference # from the voicemail and my zip code, but it said invalid numbers. I then tried calling the number they gave, and after several automated messages, I finally got through to a real person. I gave the person my name, after I entered my " account reference number '' and simply asked her to mail me my bill, if I indeed had XXXX. She asked for my mailing address to access my account, and I refused to give her my address. She said she could be talking to anyone and could n't give any information regarding the account ; I said I did n't need any information and to send the bill to the address that she had on file. She became rude and then hung up on me. \n\nI know they have my name and phone number, but if I indeed have a debt and they 're legitimately trying to collect it, they would have my address, and I assume they would be a bit more professional. \n\nAll I want from this complaint is to find out if I actually owe money, and if this is indeed a scam, to perhaps shed some light on it for future persons affected. \n Company believes it acted appropriately as authorized by contract or law Credit Protection Association, L.P. WV 255XX Servicemember Consent provided Web 03/03/2016 Closed with non-monetary relief Yes No 1815783
503028 01/07/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid Medical event XXXX/XXXX/XXXX. Medical insurer XXXX initially declined XXXX, but XXXX NV paid the claim XXXX/XXXX/XXXX, according to plan negotiated amounts. A series of debt collectors have been harassing for 4 years now. Repeated phone and written contact appeared to end in XXXX after my last correspondence, but now written demands have restarted. Each time, I provide a copy of the XXXX explanation of benefits showing payment to the service provider. Each time, the $ amount of the purported claim appears to change, though. An extra XXXX cents in XXXX, a XXXX instead of a XXXX in another, things that might seem like innocent typos, but which suggest also an attempt to look at the demand as a new claim. There was XXXX medical visit, and XXXX bill for services rendered, which was addressed by the insurer. And each time the debt collectors send a demand, it comes from another entity, most recently Central Credit Services with a XXXX mailing address for correspondence and an XXXX XXXX paying address ( the same address as the most recent XXXX demand from XXXX ). Most recently the claim is listed as XXXX of XXXX XXXX, who it appears obtained it from XXXX. This claim continues to be on my credit report, despite requests that they correct this. I am concerned not only about my situation, but that this may be a broader practice, an attempt to baffle the consumer ( or an elderly consumer 's family or estate handling their finances ) into thinking a bill is unpaid so that the debt purchaser gets some return on their investment. Thank you in advance for your assistance with this. \n Company chooses not to provide a public response Radius Global Solutions LLC MA 024XX Older American Consent provided Web 01/07/2016 Closed with explanation Yes No 1732496
503106 03/11/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine From : XXXX XXXX XXXX To : Consumer protection financial bureau Thank you for the great service and assistant, recently I open a claim against ( XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX Authorized Retailer ), about a month ago, the concern that I has now with XXXX of the accounts, from ( XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX Authorized Retailer XXXX, open on XXXX XXXX XXXX with ( Num. XXXX ), and XXXX XXXX XXXX with ( Num. XXXX ) is ; the account XXXX XXXX. XXXX ) has been send to a different debt collection company name ( RECEIVABLES PERFORMANCE XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX ). Who 's billing me {$440.00}, for the early close based on my credit karma account information, that I have to open and monitor thanks to all these issues with ( XXXX XXXX and XXXX XXXX XXXX XXXX. Dish Authorized Retailer ), basically is the same issue stated on my first Complaint with the case number XXXX, resolve on XXXX XXXX, XXXX, with Related Case Number : XXXX, for the account ( Num. XXXX ), beside that, I am really grateful for all you have done in helping me in fixing these issue with XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Receivables Performance Management LLC PR 009XX Servicemember Consent provided Web 03/15/2016 Closed with explanation Yes Yes 1828202
503213 02/24/2016 Debt collection I do not know Disclosure verification of debt Not given enough info to verify debt I wrote ECMC on XXXX asking for legal validation of this debt. It has been 30 days and they have not responded. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response ECMC Group, Inc. TX 799XX Servicemember Consent provided Web 03/10/2016 Closed with explanation Yes No 1803360
503246 03/22/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I have been paying XXXX directly for my bill of {$400.00} and Enhanced Recovery Company is claiming to own my debt. I told XXXX the rep. from Enhanced Recovery Company who called me initially that XXXX have agreed to continue getting paid directly from me for the account and Enhanced Recovery Company can not put it on my credit reports as a debt owed to Enhanced Recovery Company and XXXX said I ca n't pay XXXX I have to pay Enhanced Recovery Company or they will take me to court and I would face criminal charges for this debt. Enhanced Recovery Company went ahead with putting the Debt collection on all XXXX credit reporting agency reports. I called several times and have been hung up on and told to pay them or else they would continue to trash my credit. My credit score have dropped to under XXXX and several of my creditors have closed my accounts due to Enhanced Recovery Company actions of falsely reporting this debt and also continue calling my cell phone and work phone daily \n Company believes it acted appropriately as authorized by contract or law ERC CA 902XX Servicemember Consent provided Web 03/23/2016 Closed with non-monetary relief Yes No 1843358
503278 02/17/2016 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not disclosed as an attempt to collect I received a call from Receivable Management Services XXXX. They requested that I identify myself. I did, and then I asked who they were. They refused to give me that information, but insisted dthat I had to give them all my personal information. I absolutely refused and they hung up. I called them back by the caller ID and found out that the call was about a XXXX bill. I promptly called XXXX, and I got the issue resolved. It was a mistake on their part. The account had been written off for service issues, but someone accidentally sent it out for collection. My complant still stands against Receivable Management services for not properly identifying themselves. This is a violation of Federal Law. They must tell you who they are and why they are calling. It is also against Federal Law to require that someone tell all their personal information before knowing who they are talking to and why. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response The Receivable Management Services Corporation NV 890XX Older American Consent provided Web 03/09/2016 Closed with non-monetary relief Yes No 1789332
503280 03/07/2016 Debt collection I do not know Disclosure verification of debt Not given enough info to verify debt The amount of {$51.00} dollars was added to my credit report for collections. Incorrect information added saying the account is 2 years old. No contact with IC Systems. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response I.C. System, Inc. TX 761XX Older American, Servicemember Consent provided Web 03/07/2016 Closed with explanation Yes No 1820388
503457 02/19/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine In XXXX, XXXX billed me {$99.00} for a repair to an apartment I rented. I did not receive that as I moved out of state and it ended on my credit report with fle # XXXX .... for {$360.00} filed by Hunter Warfield. \n\nI discovered this in XXXX when I was applying for credit for a new home. I contacted XXXX XXXX who agreed this was their error and they had this deleted off my credit account. \n\nThen today, I discover that in XXXX, Hunter Warfield placed it against my credit again giving it a new amount and a new case number. File XXXX .... {$390.00} I spoke to XXXX and XXXX both of whom say because they changed the file number and amount, it appears as a new claim when it 's the old XXXX. They can not delete it because it appears as new again. \n\nThey suggested that I contact you to get this removed and to stop Hunter Warfield from continuing to do this. \n\nThanks, XXXX XXXX ( XXXX ) XXXX \n Company believes the complaint is the result of a misunderstanding Hunter Warfield, Inc. FL 320XX Older American Consent provided Web 02/19/2016 Closed with explanation Yes No 1795707
503465 03/10/2016 Debt collection Medical False statements or representation Attempted to collect wrong amount They attempted to collect an amount that was not owed. I responded by explain to them the amount was paid to the original debtor and asked them to verify and send me the notice of verification. \nI asked them to stop trying to contact me if they did n't have the original debt amount that was owed and the date of the delinquency. \nI never heard from them, but instead they placed damaging information with the XXXX credit bureaus with false dates of delinquency. With XXXX credit bureau they reported that the debt with them was included in a bankruptcy. ( XXXX ) With another agency they reported it paid and closed. ( XXXX ) For over seven years they have attempted to collect an amount of XXXX that was paid with every under handed tactic that violates my FCRA rights. They also changed the delinquency date to the year 2011 and updated the reports so that they would remain with the reporting agencies longer. \nI was finally given this site to make a report about their actions in hopes of getting them to cease the harassment and continued defamation. \n Company believes it acted appropriately as authorized by contract or law CBA of GA, Inc. MD 207XX Older American Consent provided Web 03/10/2016 Closed with explanation Yes Yes 1824987
503517 03/09/2016 Debt collection Medical Communication tactics Called after sent written cease of comm Capital Accounts has called me twice now after being told that I do not respond to telephone calls on any business matter. I learned today that the same organization called my wife at her place of employment three times in the same day asking questions about me, discussing the alleged debt with her and attempting to get my telephone number. Today they called me again. I want this harassing communication to stop. I do n't owe them any money and have no business relationship with Capital Accounts. \n Company believes it acted appropriately as authorized by contract or law Capital Accounts, LLC KY 403XX Servicemember Consent provided Web 03/17/2016 Closed with explanation Yes Yes 1823836
503520 03/18/2016 Debt collection Credit card Taking/threatening an illegal action Seized/Attempted to seize property There is a docket from 2004 that Pressler and Pressler obtained. My income is Veterans XXXX benefits and Social Security .This matter was taken care of in 2004, with the county clerks office.Now Pressler and Pressler is threatening me for this .My situation has not changed. I will be XXXX for the rest of my life .I do not drive.Have no vehicle .I rent.And my income is all XXXXi thought this was over in 2004.The subpoena theyasked from me has allot of information.I do not trust them. \n Company believes it acted appropriately as authorized by contract or law Pressler & Pressler, LLP NJ 080XX Older American Consent provided Web 03/22/2016 Closed with explanation Yes No 1839734
503629 01/19/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid XXXX XXXX is the XXXX, and XXXX in the State of North Carolina. \n\nThe XXXX XXXX apartments are located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX, phone : XXXX. \n\nBased on my analysis of this situation, I hereby submit this complaint against XXXX XXXX, manager of the XXXX XXXX apartments, and XXXX in the State of North Carolina. \n\nHere are my thoughts. \n\nIt appears as though management and or other personnel of the apartments did willfully and intentionally alter our lease at the apartments without our knowledge and approval. \n\nIt appears as though management and or other personnel vandalize the carpet in the apartment that we rented and vacated at the apartments. \n\nAfter vacating said apartment, we hired an apartment cleaning service to clean said apartment, and we hired a carpet cleaning service to clean said carpet. \n\nAfter management and maintenance personnel from the apartments examined and approved the condition and cleanliness of said apartment, it appears as though management and or other personnel at the apartments intentionally forced a finger between the seams of the carpet and ripped the seams apart. \n\nThe management and or other personnel then blamed me for ripping the carpet seams apart and billed me for the replacement of said carpet and violating the end date of said lease. \n\nPlease find attached a copy of the page of the lease that management and or other personnel at the apartments appear to have willfully and intentionally altered without our knowledge and approval. \n\nPlease find attached pictures of what appears to be management and or other personnel at the apartments. \n\nIt appears as though management and or other personnel employed by the apartments allegedly took the photographs. \n\nThe pictures appear to show management and or other apartment personnel in the process of I think willfully and intentionally vandalizing the carpet in the apartment that we rented and vacated from the apartments. \n\nUpon my denial of said accusations, management and or other personnel at the apartments ordered a collection agency, Resolve Partners, XXXX XXXX XXXX XXXX, XXXX NC XXXX, phone : XXXX to collect payment from me for damaging said carpet and violating said lease. \n\nBased on my analysis of this situation, I hereby submit this complaint against Resolve Partners. \n\nHere are my thoughts. \n\nWhen I refused to pay the collector for damages by management and or other personnel at the apartments to said carpet and what I think was contract malpractice by management and or other personnel at the apartments, the collector referred me to XXXX XXXX, thereby damaging my credit rating. \n\nThe collector accepted this account from the apartments with I think possibly no proof of wrong doing by me. \n\nThe collector accepted this account from the apartments and referred this account to XXXX XXXX with no substantiated proof of wrong doing by me. \n Company believes it acted appropriately as authorized by contract or law Resolve Partners, LLC NC 280XX Older American Consent provided Web 01/21/2016 Closed with explanation Yes No 1747189
503829 02/09/2016 Debt collection I do not know Communication tactics Frequent or repeated calls This is from an XXXX Service. They have called many times ... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They have been calling twice a day. I do n't answer, but when my machine picks up, they hang up. The number is XXXX. I am not sure if this is collections and they have the wrong person. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Allied Interstate LLC CT 062XX Older American Consent provided Web 03/10/2016 Closed with non-monetary relief Yes No 1780597
503851 03/23/2016 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine We are being harassed by frequent calls From XXXX Debt Recovery Solutions and they are looking for XXXX XXXX XXXX. My Name is XXXX XXXX and no one by the name of XXXX has ever lived in my house. Calls for XXXX have been received over the past 8 years and they are demeaning and annoying. \n\nCalls to these debt collectors to have the calls stopped simply result in a different agency starting the calls. \n\nThere is no indication from my Identify Protection Service that I have ever had over due debt. \n\nThe DRS ROBO calls about once a week. There after they use psychology by having a ROBO call and advertise lower interest rates. They also make frequent no message calls to keep the pressure up. DRS actions meets the definition of terrorism. \n\nDRS ( Debt Recovery Solutions ) XXXX XXXX XXXX XXXX XXXX, NY XXXX ( XXXX ) XXXX ( XXXX ) XXXX - XXXX \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Debt Recovery Solutions, LLC NJ 080XX Older American Consent provided Web 03/25/2016 Closed with explanation Yes No 1845671
503921 02/25/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I have been contacted on my personal cell phone and home phone at the most inappropriate times from the company ERC regarding a XXXX telephone debt that is not mine. \n\nThey list account # XXXX with a debt of {$280.00} ... \n\nI have contacted XXXX and they have confirmed that this is not my debt. \n\nI have also contacted ERC to advise them and they stated that I would not be receiving more calls however they continued to call and send letters to my home. \n\nThe info for ERC is as follows : Telephone XXXX Address : ERC XXXX XXXX XXXX, XXXX. XXXX and ERC XXXX XXXX, XXXX. XXXX XXXX, XXXX XXXX I am asking that this company be investigated for fraud and that they cease contacting me. \n\nThank you for your help. \n\n\nXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX H- XXXX \n Company believes it acted appropriately as authorized by contract or law ERC PA 190XX Servicemember Consent provided Web 03/22/2016 Closed with non-monetary relief Yes No 1802977
504008 03/10/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine This debt was a result of identity theft my husband was a victim too. \nThis debt is reported to my credit report as a debt in collection. \nWhen I called the creditors ask what is this about they claimed NOT to have me in the system as if I owed them anything. They asked was I married and I responded yes. My husband is the one who " they '' claim owes them this money. After never knowing about this till know we come to the conclusion we have been a victim of identity theft. My husband never opened an account with whom they claim he owes money to. When we ask to please remove this collection from my credit bureau they claim NOT to have linked my husband debt and my credit line. \nSo why is this showing on my credit report. \nI want to resolve this issue ASAP, because I want to purchase a house before the market rises. I have NOT gotten the chance to do so because of this tangled web! \nPlease help or fwrd my info to the right department. \nI truly appreciate all the help. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Synchrony Financial AZ 850XX Older American Consent provided Web 03/10/2016 Closed with non-monetary relief Yes No 1827201
504012 03/17/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I received a bill for equipment that was not given to me from XXXX XXXX. XXXX XXXX gave this bill to ERC to collect. ERC inflated the amount of the original XXXX XXXX bill by {$100.00}. \n Company believes it acted appropriately as authorized by contract or law ERC MN 550XX Servicemember Consent provided Web 03/17/2016 Closed with non-monetary relief Yes Yes 1837731
504486 03/25/2016 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Contacted me after I asked not to Received emails and I asked them to send me something in the mail and they kept on emailing as if they wanted to annoy, then started calling and I asked them again! Then they waited a week and the calls started again! It was for a XXXX XXXX account \n Company believes it acted appropriately as authorized by contract or law McCarthy, Burgess & Wolff, Inc. AZ 853XX Servicemember Consent provided Web 03/29/2016 Closed with explanation Yes Yes 1850250
504534 03/21/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I am a XXXX citizen out of work and living alone. Harris and Harris keep robo calling me asking that I call them about a debt - each time I call they say they are trying to reach a XXXX XXXX ' - I 've lived at this address for 16 years and had the phone number for the same length of time and no XXXX ' has ever lived here over that time period - each time I call them I tell them as much but the keep robo calling - the last robo call I received was on XXXX/XXXX/2016 and I called them back on XXXX/XXXX/2016, explained the above and asked them not to call again - however that 's never stopped them in the past and I expect they will robo call me again. I filed a complaint with the XXXX today, so I 've taken not other action. \n Company believes it acted appropriately as authorized by contract or law Harris & Harris, Ltd. CA 900XX Older American Consent provided Web 03/21/2016 Closed with explanation Yes No 1842061
504537 01/22/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I received a credit alert that a company called Stellar XXXX had place a Collection on my credit report. When I called they said it is from an account in MD from XXXX. We live in southern IL where XXXX is not even available and have never had an account with them or any contact with them in anyway. We spent 7 hours being transferred from XXXX department to another and no one will help resolve this. It should be against the law to do damage my credit when I positively know there is no possible way this debt is mine, \n Company believes it acted appropriately as authorized by contract or law Stellar Recovery Inc. IL 622XX Older American Consent provided Web 01/22/2016 Closed with explanation Yes No 1754296
504566 01/20/2016 Debt collection Payday loan Taking/threatening an illegal action Threatened arrest/jail if do not pay Not XXXX, but third party debt collector : -Phone number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The information contained in this database is current through XXXX XXXX, XXXX. \nSelected Entity Name : CLEARVIEW RESOLUTION SERVICES, XXXX. \nSelected Entity Status Information Current Entity Name : CLEARVIEW RESOLUTION SERVICES, XXXX. \nXXXX ID # : XXXX Initial XXXX Filing Date : XXXX XXXX, XXXX XXXX : XXXX Jurisdiction : NEW YORK Entity Type : DOMESTIC BUSINESS CORPORATION Current Entity Status : ACTIVE Selected Entity Address Information XXXX Process ( Address to which XXXX will mail process if accepted on behalf of the entity ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NEW YORK, XXXX Registered Agent & lt ; Begin & gt ; Agent called my father,, and let it be known they talked to him first. Began by threatening that I committed fraud by closing my account and they were about to file a lawsuit for fraud. ( Account was closed because of non-authorized withdrawals by unknown entities ) By doing a search on XXXX XXXX, it is resolved that they are NOT licensed in the state of Virginia. Thereby, the initial loan was felonious in nature. The strong-arm and uninformed tactics by Clearview Resolutions is unfounded and felonious as well. \n Company believes it acted appropriately as authorized by contract or law Clearview Resolution Services VA 234XX Servicemember Consent provided Web 01/26/2016 Closed with explanation Yes No 1750376
504631 03/19/2016 Debt collection Credit card Cont'd attempts collect debt not owed Debt resulted from identity theft City bank stated that I had a credit card with them I never had a credit account with this bank. When I received my home loan the mortgage banker even furnished documents to this bank that proved that this was not my account. Citi Bank has refused removal of this from my cedit reports creating a hardship on a XXXX. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Citibank GA 300XX Older American, Servicemember Consent provided Web 03/19/2016 Closed with non-monetary relief Yes No 1840289
504726 03/12/2016 Debt collection Credit card Taking/threatening an illegal action Seized/Attempted to seize property XXXX XXXX XXXX, XXXX. on XXXX/XXXX/XXXX Levied and seized by car. I had tried to negotiate with them on an old debt the bought from Bank of America that was charged off. They put a judgement on me on XXXX/XXXX/XXXX after the debt was charged of from BOA. I am XXXX year old widow. They told me they were going to auction my car and then attach my pay if I did n't pay them {$13000.00}. The debt was only around {$10000.00} orginaly. I offered to settle for {$7000.00} or pay {$1000.00} a month. They wanted XXXX which I could n't do. I had to rent a car to go to work which I am in XXXX and have to XXXX. I had to take the money out of my retirement XXXX. This has really hurt me financially and I think this is unfair. I do n't think they should put a Judgment on me to begin with. BOA had written this loan off. It shows on my credit report it was written off. With my husband dyeing supply I was left without his income and struggle to make ends meet. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Bank of America FL 337XX Older American Consent provided Web 03/12/2016 Closed with explanation Yes Yes 1829443
504873 02/19/2016 Debt collection I do not know Communication tactics Threatened to take legal action Citi Management in XXXX is the problem. I contacted them stating my situation and the transaction was still attempted. I know they received the call because it was confirmed through one of there worker. They also called my job threatening to send some type of action to my job and they spoke with my HR department. I was informed and called them to work out a plan. The first person I spoke with tried to help but then I was transferred to I guess a supervisor by the name of XXXX XXXX and she did not try to help at all. She is terrible and her customer service is even worse. She went in to some explanation that was not what I wanted to know. She even stated I know that is not what you wanted to hear which was correct. I called for help to resolve the situation and she did not attempt to help. The issues that really upset me is calling my employer when in fact they had my email address whereas they could have emailed my because I could not be contacted via telephone and secondly the threat of legal action when they received they call of my situation. I would like some type of legal action taken against them or legal action that I can take against that company. \n Company believes it acted appropriately as authorized by contract or law Citi Management Group, LLC LA 705XX Servicemember Consent provided Web 03/28/2016 Closed with explanation Yes No 1794898
505156 01/10/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid During this period I was hospitalized for XXXX surgery, immediately following the XXXX I was transferred to XXXX for XXXX XXXX and remained hospitalized for 5 days. I have XXXX XXXX XXXX XXXX insurance and had met my full individual deductible at which point XXXX covered 100 % of the remaining medical expenses. I have disputed this with XXXX and the collection agency " HAUGE ASSOCIATES INC '' The Hague Group XXXX XXXX XXXX XXXX XXXX XXXX, SD XXXX and they refuse to remove this from my XXXX credit report. I do not owe this debt and feel as though I 'm being extorted to pay before they remove move it. \n Company believes it acted appropriately as authorized by contract or law Hauge Associates, Inc. NE 681XX Servicemember Consent provided Web 01/15/2016 Closed with explanation Yes No 1735307
505419 03/14/2016 Debt collection I do not know Communication tactics Frequent or repeated calls they call my consumer cellular phone at least twice a day, every day, sometimes in late evening. I only know it has to do with debt collecting because I checked the numbers involved. \nXXXX numbers ... same tactics. \nXXXX XXXX \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Receivables Performance Management LLC TX 787XX Older American Consent provided Web 03/18/2016 Closed with explanation Yes No 1831119
505529 12/28/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine XXXX acct approx. XXXX to XXXX. Several attempts with service problems unresolved with repairmen & {$60.00} modem/router XXXX said we needed to fix problems with my opposition stating that was not the problem. The modem/router did not fix the problem ; with multiple unresolved calls to XXXX to return and get reimbursed for the machine..they could not give me any info to send it to and would not remove the {$60.00} charge from my bill. I tried to return the machine to local XXXX store but they had no way to return it nor any info to help me return it either. I do not know what was wrong with XXXX about this issue. Wrote letter with no response..talked to different departments and supervisors without resolve. The last time the internet was out & reporting it for service once again ; the tech did not show up and XXXX had no records of appointment. I then told the agent to disconnect the service that was totally dead again. The acct should have stopped then with the bogus {$60.00} nonreturnable machine ... but att kept billing me and no resolve with the worthless machine. I still have the machine and packaging. I was shocked by this service from XXXX. I then went to comcast with a higher bill for service. I need a disclosure of verification of debt. Plus this debt has been reaged with false information on my credit report. \n Company believes it acted appropriately as authorized by contract or law ERC LA 711XX Servicemember Consent provided Web 01/15/2016 Closed with non-monetary relief Yes No 1717314
505591 03/11/2016 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received they have place a debt on my credit reports of XXXX and did not call me or speak to me. plus they did not send me any verification of this debt. contract or anything. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response I.C. System, Inc. TX 750XX Servicemember Consent provided Web 03/15/2016 Closed with explanation Yes No 1827698
506288 03/11/2016 Debt collection Medical Improper contact or sharing of info Talked to a third party about my debt I owe money to XXXX XXXX XXXX for a procedure and have been making payments on time. No minimum payment was ever discussed. I also believe they are billing me too much for the services rendered. My attempts to obtain an itemized list of charges by phone has been unsuccessful. I was told my insurance company refused to cover the medical expenses, however when I call XXXX they tell me the bill was never submitted. My bill has increased in cost despite me making payments with no delinquent payment. I have all receipts as proof of payments. I have received only XXXX phone call from XXXX XXXX asking me to set up an automatic monthly payment. I declined for many reasons. Despite me making payments and talking to XXXX XXXX, my account has been turned over to a third party collection agency. I have sent a certified letter to the collection agency disputing their ability to collect the debt and asking for proof that this is legal according to the original debt agreement. I am no longer able to pay XXXX XXXX directly. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Professional Recovery Consultants, Inc. NC 272XX Servicemember Consent provided Web 03/11/2016 Closed with explanation Yes Yes 1828652
506466 03/14/2016 Debt collection Credit card Improper contact or sharing of info Talked to a third party about my debt I recently lost my job right before XXXX last year. Since I have n't found a new one yet I have been unable to keep up on my credit cards or keep my cell phone turned on. Since Kay jewelers has been unable to get ahold of me, they have been calling every family member and my ex husband and his family and disclosing information about my debt! They told my grandma that she needed to get ahold of me on XXXX to contact me about paperwork I needed to finish filling out for my credit card!!! What on earth?! It 's embarrassing enough losing my job and not being able to pay anything after I had such good credit and now they 're just humiliating me while I 'm down. Now every single member of my family and my ex husbands family knows I have a Kay jewelers card that I 'm behind on. \n Company believes it acted appropriately as authorized by contract or law Sterling Jewelers Inc. OH 446XX Servicemember Consent provided Web 03/14/2016 Closed with explanation Yes No 1830948
506561 03/29/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine Financial Corporation Of America is trying to collect a debt that is not mine XXXX XXXX Hospital keeps sending these Frivolous charges to collection company to collection company \n Company believes it acted appropriately as authorized by contract or law Financial Corporation of America NV 891XX Servicemember Consent provided Web 03/29/2016 Closed with explanation Yes No 1852614
506653 01/27/2016 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine CITI card services continues to call and leave messages at my place of employment. I do not and have never held a CITI card personally of for my company. I tried calling for over a week with no response, then on XXXX/XXXX/2016 I was hung up on by a XXXX, XXXX, XXXX and the escalation department with no assistance. This is either a scam or they have violated my rights. My employees think that I have unpaid bills, my credit XXXX be in jeopardy based in incorrect information. \n\nXXXX XXXX XXXX XXXXXXXXXXXX \n Company chooses not to provide a public response Citibank TX 778XX Servicemember Consent provided Web 01/27/2016 Closed with explanation Yes No 1760335
506693 11/10/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not disclosed as an attempt to collect XXXX the manger at century finance did not communicate that he was in an attempt to collect a debt several times. As well as XXXX his employee contacted me at work with out the Mini Miranda script. I was unaware they were attempting to collect a debit. Century finance inc, in North Carolina would also call me more than 10 times a week after I told them I have had a hardship and I will contact them asap. They also called my job XXXX so they had to call several places to find me. I also stated not to contact me at work. \n Company believes it acted appropriately as authorized by contract or law Century Finance, Inc. NC 278XX Servicemember Consent provided Web 01/08/2016 Closed with explanation Yes No 1648082
506983 03/29/2016 Debt collection Medical False statements or representation Attempted to collect wrong amount I have never been to this Dr. And they are trying to collect money and they have reported it to XXXX and XXXX. \n Company believes it acted appropriately as authorized by contract or law First Federal Credit Control FL 347XX Servicemember Consent provided Web 03/29/2016 Closed with explanation Yes Yes 1854433
507388 01/24/2016 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received Jefferson Capital Systems , LLC knowingly violated the FCRA by placing XXXX collection accounts withXXXX and XXXX credit bureaus. Jefferson Capital Systems, did this without proper notification 30 days prior to reporting the XXXX accounts to the credit reporting bureaus. I never received notice such action was being implemented. \n Company believes it acted appropriately as authorized by contract or law CL Holdings, LLC AZ 857XX Servicemember Consent provided Web 01/24/2016 Closed with non-monetary relief Yes No 1755261
507400 01/31/2016 Debt collection Medical False statements or representation Attempted to collect wrong amount HAVE NO CLUE WHO THIS DEBT BELONGS TO AND I HAVE ATTACHED THE PROPER INFORMATION N REGARDS TO THIS ACCT. ALSO I HAVE SPOKEN TO ALL AGENCY TO MAKE THEM AWARE THIS LETTER. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response CMRE Financial Services, Inc. TX 770XX Servicemember Consent provided Web 01/31/2016 Closed with explanation Yes No 1765850
507569 11/30/2015 Debt collection Mortgage False statements or representation Attempted to collect wrong amount Bankruptcy CHXXXX in XXXX, last payments XXXX XXXX. Had acct XXXX XXXX in XXXX. Paid XXXX XXXX. I do n't remember this but Bankruptcy CR in XXXX XXXX showed another loan opened in XXXX XXXX for {$15000.00}. This XXXX not shown on XXXX XXXX XXXX. Payments were made to XXXX thru the court starting XXXX XXXX with last being XXXX XXXX. This acct not shown on XXXX XXXX XXXX. As of XXXX XXXX a new account appeared delinquent on XXXX from Ditech, opened in " XXXX XXXX '' last pymnt XXXX XXXX, charged off {$10000.00} " reported XXXX XXXX '' meaning they are re aging this as well as claiming the account as theirs. Nothing stating it was in Bankruptcy. \n Company believes it acted appropriately as authorized by contract or law Ditech Financial LLC KY 427XX Older American, Servicemember Consent provided Web 11/30/2015 Closed with explanation Yes No 1676448
507637 01/07/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I HAVE RECEIVE SEVERAL ATTEMPTS FROM XXXX FOR BILLS IN THE AMOUNT OF {$130.00} WHICH KEEP INCREASING EACH MONTH DATING BACK FROM XXXX/XXXX/2015 TO PRESENT.MY LAST PAYMENT TO THEM WAS MADE ON XXXX/XXXX/2015 BY CREDIT CARD IN THE AMOUNT OF {$28.00} FOR THE PERIOD XX/XX/XXXX TO XX/XX/XXXX. MY NUMBER WAS REQUESTED BY XXXX XXXX XXXX TO BE SWITCHED OVER TO THEM WHICH THEY REFUSED. IN THE MEAN TIME I WAS GIVEN A FREE PHONE BY ASSURANCE THUR XXXX WHICH GAVE FREE CALLS AND TEXT UNLIMITED STARTING XX/XX/2015. SO THERE WAS NO NEED FOR XXXX SERVICE ANY LONGER. YET THEY CONTINUE TO SEEK PAYMENT FOR SERVICE I DID NOT NEED OR USE. NOW THEY HAVE SENT ME TO COLLECTIONS ( PROFESSIONAL CREDIT SERVICE # ( XXXX ) XXXX COLLECTION AGENCY ACCOUNT ACCT REP PHONE # ( XXXX ) XXXX. I TRULY BELIEVE THEY ARE TAKING ADVANTAGE OF ME. \n Company disputes the facts presented in the complaint Ray Klein, Inc. CA 945XX Servicemember Consent provided Web 01/07/2016 Closed with explanation Yes No 1732781
507808 01/31/2016 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect I TOOK OUT A PAYDAY LOAN WITH ADVANCE FINANCIAL OF TN FOR AT OR AROUND XXXX DOLLARS. I WAS GIVEN A SHORT FORM STATING MY MINIMUM BALANCE EVERY TWO WEEKS WAS XXXX DOLLARS AND SOME CHANGE, AND GIVEN ANOTHER LOAN PAY AMOUNT OF XXXX DOLLARS AND SOME CHANGE. HOWEVER, AFTER OVER XXXX DOLLARS LATER I CHECK TO SEE WHAT I OLD AND THEY STATED MORE THAN I TOOK OUT. I WAS TOLD THAT IT WAS A 275 % INTEREST RATE ATTACHED TO IT, AND THAT I WAS ONLY PAYING THE INTEREST NOT THE PRINCIPAL. THIS WAS NOT EXPLAINED TO ME AT THE SIGNING OF THE LOAN, NOR ON ANY PAPER WORK I SIGNED. I WOULD NOT EVER TAKE OUT A LOAN THAT I WOULD HAVE TO PAY 275 %. ME BEING IN THE MILITARY I WOULD NOT DARE TO SIGN SUCH A THING. \n Company believes it acted appropriately as authorized by contract or law Harpeth Financial Services, LLC TN 370XX Servicemember Consent provided Web 01/31/2016 Closed with explanation Yes No 1765599
507816 03/15/2016 Debt collection I do not know Disclosure verification of debt Right to dispute notice not received My name is XXXX XXXX XXXX, I 'm a XXXX Veteran. Jefferson Capital is in clear violation of the FCRA/FDCPA by reinserting an already reported debt, also a debt that is already involved in litigation, which I am sure they do not wish to be a part of. \n\nPlease see the attached letter. No validation has been received. Furthermore, I do believe I am judgment proof as my status above would indicate. I am XXXX and unemployable for life. \n\nI have been advised by my attorney who I 've cc 'd on this complaint that I am entitled to {$1000.00} per violation under FDCPA/FCRA plus attorney fees. I do not wish to litigate, but if I have to I will. \n\ncc : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX \n Company believes it acted appropriately as authorized by contract or law CL Holdings, LLC CA 916XX Servicemember Consent provided Web 03/15/2016 Closed with explanation Yes No 1831798
508063 03/26/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine This debt is from XXXX XXXX and does not belong to me. This debt has previously been deleted from my credit report from another collection agency due to not being my debt. My dissolution of marriage ( MO case number XXXX ) states that my ex wife is now responsible for this debt and not me. \n Company believes it acted appropriately as authorized by contract or law ERC MO 652XX Servicemember Consent provided Web 03/26/2016 Closed with non-monetary relief Yes No 1849505
508175 02/25/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I took out XXXX personal loans on XXXX separate occasions from XXXX XXXX XXXX : ( 1 ) {$2000.00} and ( 2 ) {$6000.00}. I have already paid over {$14000.00} for both. I stopped paying for the last loan since I was told I had paid it off, but still owed {$4600.00}. The law firm to whom my outstanding debt was sent, Cohn, Goldberg & Deutsch said they may sue me for an additional {$4600.00}. Can you help with this excessive usury? Thank you. \n Company believes the complaint is the result of a misunderstanding Cohn, Goldberg & Deutsch, LLC MD 208XX Older American Consent provided Web 03/21/2016 Closed with explanation Yes No 1804685
508197 03/28/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Upon applying for a home loan, a credit inquiry was pulled from the credit bureaus. A debt amount of {$390.00} was reported by Enhanced Recovery Company as non-payment on a XXXX phone account. I disputed the debit as not belonging to me. \n\nI received a letter on XXXX XXXX, 2016 from ERC stating that they were going to have the debt removed from all bureaus. It was then removed from the credit reports on XXXX XXXX, 2016. It appeared to be resolved. \n\nThe loan company then required that we all participate in a call where XXXX, myself, and ERC are all connected and ERC verbally confirms to XXXX that the debt has been resolved. \n\nOn that call, ERC says that the debt is still owed and that they sent no such letter etc. This has caused the loan company to hold off on the loan until there is resolution. \n\nThis is not my debt which ERC has acknowledged in writing. They are falsely trying to collect the {$390.00} knowing and acknowledging in writing that this is not my debt. Essentially, they believe that I am in between a rock and a hard place and can be forced to pay the debt or risk losing the house. \n Company believes it acted appropriately as authorized by contract or law ERC NC 287XX Servicemember Consent provided Web 03/28/2016 Closed with non-monetary relief Yes No 1853638
509012 03/24/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine I received a letter from XXXX XXXX XXXX in XXXX XXXX telling me I owed {$25.00} to XXXX. I responded with a letter on XXXX/XXXX/XXXX explaining that I did not recognize this and asked that they send me a copy of the original receipt that explained what it was for. \n\nI received a letter back from Aargon Collection Agency with summary information from XXXX showing a {$120.00} charge back on XXXX/XXXX/XXXX for " XXXX ''. My name was not on this summary and the health information for XXXX XXXX Washington that was listed did not match my policy # or Group #. In fact, I was not insured by XXXX until XXXX/XXXX/XXXX, so this could n't have been my debt even if the policy and group numbers had been correct. \nI called and talked to XXXX at Aargon and explained that this was not my debt, that my name was not listed on the bill and the policy and group numbers did not match mine. He told me that he hears this all the time and that all indications are that this was my bill. He said that it was n't affecting my credit rating yet, but implied that if I did n't pay it, it would. When I insisted that this was n't my debt, he told me that I would need to file an Identify Theft Report with my local police department and send him the file number, then they could reference it in his file. \nNone of this sounds right. I ca n't believe that they can press me to pay a bill that is in no way connected to me. \n Company believes it acted appropriately as authorized by contract or law Aargon Agency, Inc. WA 980XX Older American Consent provided Web 03/24/2016 Closed Yes No 1847939
509301 03/21/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine In XXXX, my mother, XXXX XXXX of XXXX XXXX XXXX ( XXXX . XXXX ), XXXX, XXXX, decided she wanted a medical alert system because of failing health. Since she was hard of hearing, she asked me ( her daughter ) to telephone XXXX XXXX in order to purchase the service. \nI subsequently called XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX ( tel. ( XXXX ) XXXX to arrange service on behalf of my mother. During my conversation with their representative, I explained that my mother could not speak with them because of her XXXX, but she would be responsible for payment of the service. I then gave the representative my mother 's debit car number which was subsequently charged for 1 year of service in its entirety. \nMy mother passed in XX/XX/XXXX. She had no estate so I notified all creditors, including XXXX XXXX, of her passing. \nApproximately 6 weeks ago, I received a notice from BYL Collection Services, LLC of XXXX. XXXX XXXX, XXXX, XXXX XXXX, ( Tel. ( XXXX ), that they were attempting to collect a debt I owed XXXX XXXX in the amount of {$390.00}. \nMy husband then sent a letter to BYL asking for more information and they simply sent a letter demanding payment with no explanation of why I owed this debt. \nI feel very strongly that this is an attempt by Medical Alert to collect a phantom debt because I assisted my mother in signing up for the service and they had my name and address which I provided at the time of the transaction. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company BYL Collection Services NH 038XX Older American Consent provided Web 03/21/2016 Closed with explanation Yes No 1843129
509463 03/09/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I am receiving calls from the Focus Receivables Management Group. \nThe Calls are automated and only offer a call back number. I 've called them to advise them that I am not the party they are attempting to reach. I 've been informed each time that my number would be removed from their database. They continue to call. The calls are now harassing. \n Company can't verify or dispute the facts in the complaint Focus Holding Company NJ 080XX Servicemember Consent provided Web 03/09/2016 Closed with explanation No No 1824557
509469 03/17/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine XXXX has now called me twice to " collect a debt ''. Each time I missed the initial call. The first time, I returned call, identified myself, and asked who the debt was incurred with. They indentified a vendor. When I said I had never done business with the vendor ( no company I recognized ), they said " sorry, we 'll remove you ''. \n\nToday, several month later, they called again. They left a message with a reference number. I returned the call. After a XXXX5 minute wait, I was connected to a " XXXX ''. I had to give her the reference number twice. She then asked my name to which I replied " you called me, so you must know my name ''. She said she would have to transfer me to " the department that takes care of that ''. After a brief wait, the call was picked up by a man whose muttered his name. I started giving him the reference number, he cut me off and put me on hold, then returned, apologized saying he " was finishing up with a lady on another call '' ( begging question of why he took my call ) and asked for me to " repeat the reference number ''. Again, I refused to give my name telling him he must know it from the reference number. He said " for privacy '' he needed to know my name. He tried several times to get my name, I refused telling him I had no uncollected debts ( note : I do n't even have any past due amounts ). He then asked for my phone number so that he " could take it off 'the list ' '' begging the question of how would he know that I did n't owe money other than my word? \n\nThus, either he was being dishonest in saying that by simply giving my number he would remove it from the calling list ( note : seems strange they would not have a caller ID on incoming calls and my cell phone number 's ID is not blocked ) or that, more likely in my view, he intended to cross reference the number to get my name. Either way, it appears that the " reference number '' is bogus. Obviously he could have asked " am I speaking to [ my name ] and then asked me to provide address and phone number to verify my ID. \n\nI suspect Focus is employing intimidating tactics ( that might skirt the limits of the law ) or, worse, is engaging in outright fraud. \n Company can't verify or dispute the facts in the complaint Focus Holding Company CA 921XX Older American Consent provided Web 03/17/2016 Closed with explanation Yes No 1838324
509499 01/28/2016 Student loan Non-federal student loan Can't repay my loan Can't decrease my monthly payments Perhaps this is a common problem. I have had private law school loans since 1998. These loans are currently split between XXXX service providers - XXXX ( formerly XXXX XXXX ) and Access Group ( ACS ). Since my loans went into repayment, I never missed a payment, and paid my full amount owed every month. However, in the last couple of years, I 've had some challenges. I had to take time off from full-time employment due to some health issues, and we needed to relocate for my husband 's job across the country. I had a baby. I needed to stay home for a while. With both loan providers, I was able to suspend the federal loans, but the private ones have been more problematic. I am told I have no other options with those at this point. The monthly for ACS is {$270.00} and the monthly for XXXX is {$230.00}. The financial stress on our family is significant because of this, as I am not bringing in an income and not receiving any type of unemployment assistance. The lenders claim I have no options. I asked if it might be possible for me to pay a lower amount each month until I obtain employment. The answer was no, that this would still be considered default, even if I paid XXXX-XXXX percent of the amount owed each month. Essentially paying a substantial portion counts for nothing. I feel that this makes no sense and is borderline predatory. It seems as if trying to work out an arrangement with them is impossible. I understand why people give up and do n't pay at all. However, I have excellent credit and it 's important to me to retain this. It 's going to wipe out our savings over the next few months. I think the unwillingness to work with clients during financial difficulties is a real problem. This is not credit card debt. Most of us with these loans are responsible consumers. The failure to work with an individual who is willing to pay the maximum possible in his/her current financial situation, is something that I felt was worth documenting. Thank you for your efforts to monitor business practices by the student loan industry. \n Company chooses not to provide a public response Access Group CA 956XX Servicemember Consent provided Web 01/28/2016 Closed with explanation Yes No 1762465
509561 03/06/2016 Debt collection Mortgage Taking/threatening an illegal action Seized/Attempted to seize property Around XX/XX/XXXX my wife and I lost all our income except Social Security. A consulting company I worked for lost a client I was handling..This was a $ XXXX. a month loss in our income. Prior to that my credit score was XXXX. That was the first time my Mortgage payment was ever late. Also prior to that time we lost about {$700000.00}. in a XXXX Scam .The principal is currently in jail and all our cushion was gone, this was XX/XX/XXXX. In that amount was % XXXX in my wife 's pension money he was managing. During this same time my wife was diagnosed with XXXX. \nWe have lived in this home from XX/XX/XXXX and would like to save it. My servicer is SPS Inc.. I have some XXXX '' of paperwork they keep asking for the same thing over and over again.. We literally had not enough money to live on. As proud as I was I went for fuel help and food assistance. Now I have a full time job in the city I live in and we have combined income of about XXXX a month. Again I have asked SPS for help in Mortgage assistance and now they tell me while they review another set of documents the are going to begin the process taking my home. My credit score is up to XXXX from a low of XXXX. I have made my mortgage payment for the past 6 months of XXXX per month and have set up payment programs to get my head above water. The rate of interest is 6.375 % if they lowered the rate It would all help. That interest is in the XXXX the rate on the XXXX is XXXX and yet the first and second add a late fee each month. The value of my single family home is {$370000.00} and I have a XXXX balance of {$160000.00} including the arrears and a XXXX mtg. of XXXX thats a XXXX % ratio. Why ca n't they help me. I have now been working full time from XXXX XXXX for the City of XXXX. Plus I am on Boards that through off additional Income. I could have filed bankrupt and wiped all the unsecured debt out but instead I hoped to struggle a bit and move on. Please help. SPS has only continued to cost me money in tile and more paperwork than I feel they really needed. I worked as a Senior Mortgage officer for over 20 years and if I on anyone working for me treated our customer like this they would have been fired by me. \n Company believes it acted appropriately as authorized by contract or law Select Portfolio Servicing, Inc MA 021XX Older American Consent provided Web 03/06/2016 Closed with explanation Yes No 1819112
509581 03/04/2016 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Talked to a third party about my debt " XXXX '' communications shared my personal information to a collection agency named " Eastern Account Systems '' to collect on a past due debt that was n't even mine. The only thing this other person had in common with me was my last name! This seemed to be a " Phishing '' attempt to pay a " past due '' bill. And that " XXXX '' released my information without my consent or for " Just Cause '' .I believe that both companies involved behaved in an unprofessional manner. \n Company believes it acted appropriately as authorized by contract or law Eastern Account Systems of Connecticut, Inc. NV 894XX Servicemember Consent provided Web 03/30/2016 Closed with explanation Yes Yes 1817328
509942 02/03/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine I was injured XXXX and I have a worker 's comp claim # XXXX date of injury XXXX/XXXX/XXXX I was going to University Hospitals here in XXXX, Oh. and because the clerks did not put correct medical codes on these bills Worker 's Comp refused to pay These bills are dated between XXXX and XXXX. \n++these bills are over 10 years old XXXX they should be removed from my credit reprt \n Company believes it acted appropriately as authorized by contract or law First Federal Credit Control OH 441XX Older American, Servicemember Consent provided Web 02/03/2016 Closed with explanation Yes No 1770594
510052 03/22/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid Med-1 Solutions made demand for ( {$87.00} ) the hospital debt which is not correct. I send register letters to the Med-1 on XXXX/XXXX/2015 and XXXX/XXXX/2015 asking to validate the debt.Did not have respond, and damage to my credit makes me to pay highest interest on my commercial XXXX loan.My damage is over {$10000.00} due to the highest interest I pay. \n Company believes it acted appropriately as authorized by contract or law Med-1 Solutions, LLC IN 462XX Older American Consent provided Web 03/22/2016 Closed with explanation Yes No 1843244
510451 01/25/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid switched from XXXX to XXXX over one year ago, suddenly without legal notice recieved a collection hit on my credit reports from all XXXX major bureaus. When I attempted to find out why, I was given a false answer that i did n't turn in equiptment. I told them that I had the reciept for this and it was working just fine, the service rep for XXXX oh yes, I was correct and that they could n't find out what the money they wanted was from and they would have this removed from my credit reports at once. after 4or5 months it is back in collections with no further explanation. I have called XXXX after 3 months to make sure all bills were paid and they were completely satisfied at that time. \n Company believes it acted appropriately as authorized by contract or law Amsher Collection Services, Inc. NC 275XX Older American, Servicemember Consent provided Web 01/25/2016 Closed with explanation Yes No 1756184
510578 02/16/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I was given a notice to vacate XX/XX/2015. I paid for XX/XX/XXXX then vacated XX/XX/XXXX. I have proof of payment on my bank statement of this transaction on XXXX/XXXX/2015. I am now being asked to pay {$3100.00} for early termination fees along with rent due when it should be {$1900.00} because I paid a full month 's rent of {$1200.00} for XX/XX/XXXX just before I left on XX/XX/XXXX. \n Company believes the complaint is the result of a misunderstanding Hunter Warfield, Inc. FL 347XX Servicemember Consent provided Web 02/19/2016 Closed with explanation Yes No 1788003
510734 02/01/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was discharged in bankruptcy I disputed a collection account that is still showing as an " open account '' ithis s account was discharged in my bankruptcy XX/XX/2015. I called the collection co. in question after viewing my XXXX credit report. i was told by the collection co. rep " XXXX '' that the account is being reported correctly. spoke to attorney XXXX and was told they have to update and report the account correct. \n Company believes it acted appropriately as authorized by contract or law Collins & Hilton Asset Group, LLC CA 945XX Older American Consent provided Web 03/18/2016 Closed with explanation Yes Yes 1767217
511036 01/29/2016 Debt collection I do not know Communication tactics Frequent or repeated calls Focus Recievables Management calls my home multiple times a day. When I answer, it is just a recording asking me to call back. I do not owe any debts to any company, so I attempted to call back 4 separate times to ask them to stop calling me. Each time, the line says all representative are busy. Yet, the company calls me nonstop. \n Company believes the complaint is the result of a misunderstanding Focus Holding Company AR 720XX Older American Consent provided Web 01/29/2016 Closed with explanation Yes No 1764459
511067 03/14/2016 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Frequent or repeated calls On XXXX/XXXX/2016 received a phone call from a female who only said she was from Southwest and wanted to speak to me, when i told her she was she then wanted me to give her my social security number. She would not answer my inquiry as to who was southwest she just kept asking for my social security numer. I refused and she hung up with no explination as to why she called or any explination as to who Southwest was. I found out later while checking my credit report she was from Southwest Credit Systems in XXXX, Texas and that she had just place deragortory comments on my credit report. This person was rude and would not answer any of my questions as to who Southwest was. I will not give out my personal information to anyone over the phoe but she would not take no for a answer. Found out she was a collector trying to get information for collecting a debt i did not know existed. I have never received any mail or other correspondence from this Southwest company. We have moved twice due to selling our house. Still this company is rude with the way rhey treat people. I have checked with the XXXX Texas and supposedly there have been numerous complaints against this company. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Southwest Credit Systems, L.P. FL 325XX Older American, Servicemember Consent provided Web 03/16/2016 Closed No Yes 1830489
511181 03/31/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine You are in violation of the fair credit protection act. You have failed to remove in accurately reported information. As previously stated, XXXX XXXX has never visited XXXX or been treated by them. \n Company believes it acted appropriately as authorized by contract or law First Federal Credit Control FL 347XX Servicemember Consent provided Web 03/31/2016 Closed with explanation Yes No 1859250
511274 01/16/2016 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine I 've received a call from Sunrise Credit Services that I owe XXXX XXXX XXXX something dollars from a XXXX Credit Card that 's financed by XXXX Bank. I called XXXX Bank and told them that I did not have and never applied for a credit card from XXXX. I never received any billing statement regarding the charges on the alleged XXXX credit card. I requested proof of this alleged credit card debt but they said all information have been forwarded to Sunrise Credit Services and that I should contact this credit service. I called Sunrise Credit Services and spoke to XXXX XXXX and requested for the proof of the alleged credit card debt. She said she will send it through mail and should reach me within one week. Two weeks passed and I did not receive any. I followed up and was able to spoke to an associate of XXXX and again requested the information of the alleged credit card debt again. The lady said XXXX never put a note/request from XXXX Bank to send the proof of debt to me. The lady said she will put a request from XXXX Bank before she could send the proof of alleged credit card debt to be sent to me. I told the lady that the XXXX Bank said all information regarding the alleged credit card debt is now in their hand that 's why I was told to contact them. The lady said she still need to request XXXX Bank before she could send the information to me. I asked how long it will take before I receive the information and the lady said she can not give me a time frame for it. I told the lady that I am filing a complaint against them for harassing me for a debt that I do not owe. The lady then tried to refer me to XXXX XXXX Account XXXX which, when I asked, is also under XXXX Bank. I told the lady that I do n't think I will get a fair treatment from this organization since they are also under XXXX Bank. I told the lady that I am filing a complaint against them before the Consumer Financial Protection Bureau instead. \n Company chooses not to provide a public response Sunrise Credit Services Inc. MD 208XX Older American Consent provided Web 01/16/2016 Closed with explanation No No 1745016
511506 02/16/2016 Debt collection Other (i.e. phone, health club, etc.) Taking/threatening an illegal action Attempted to/Collected exempt funds Also use my brother to threaten me if i do n't make a payment even as I told him that I am currently unemployed. \n Company believes the complaint is the result of a misunderstanding Hunter Warfield, Inc. NC 282XX Servicemember Consent provided Web 02/16/2016 Closed with explanation Yes No 1787944
511543 01/19/2016 Payday loan Payday loan Applied for loan/did not receive money Applied for loan/did not receive money I was refused a PayDay loan because they have me listed as On Active Duty in the Military. See attachment. But I am a CIVILIAN and I have never been in the Military. I am XXXX years old. How in the world did I get listed as being in the Military? \nHow can I get OFF this List of being On Active Duty in the Military. \nASAP please!!! \nThank you! \n Company disputes the facts presented in the complaint Enova International, Inc. CA 900XX Older American Consent provided Web 01/19/2016 Closed with explanation Yes No 1746547
511859 03/20/2016 Debt collection Credit card Cont'd attempts collect debt not owed Debt was paid About 5-6 years ago, I opened a charge at XXXX XXXX since I received a XXXX % discount on a snow blower I purchased. I also received 6 months of 0 % financing. I signed up for e billing and paid the debt off according to terms. \nXX/XX/XXXX and XX/XX/XXXX, I used the XXXX credit card for the first time since that purchase to buy {$180.00} worth of flowers, pots and assorted garden items. Over the coming months I went about my business and forgot about the purchases. In XXXX, 2015 I received a call from a XXXX representative that my account was past due and a payment had n't been made since my last purchase ( in XXXX ) .. I immediately wrote and mailed a check for {$170.00} ( I had returned a bad plant for a {$2.00} credit ). \nThe check which was accompanied by a letter with my account number, incorrectly was credited to my XXXX XXXX account also managed by XXXX. After calling them, the check was reapplied to my XXXX account. \nDuring the period XX/XX/XXXX thru XX/XX/XXXX I never received either a paper bill or e bill. I communicated this to both XXXX XXXX and XXXX reps. XXXX sent me copies of the missing XXXX bills which were in their system, but never sent to me in any form during the period they were due. \nI pride myself on promptly paying my bills on time. I am XXXX years old and have a credit rating of XXXX. This is not a " dog ate my bills '' story. I assure you I never received bills for four months in any form. My balance is now {$240.00}, ALL finance and past due charges which I refuse to pay since I paid the {$170.00} for the merchandise I purchased once XXXX contacted me. Thank you for your consideration. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response URS Holding, LLC IL 600XX Older American Consent provided Web 03/20/2016 Closed with explanation Yes No 1840922
512209 01/20/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid XX/XX/XXXX the N.M. Dept. of Taxation notified me that I owed state taxes for XX/XX/XXXX in the amount of {$3500.00} and that the account had been assigned to a collection agency. I contacted the collection agency called Performant Recovery and made arrangements to pay {$100.00} per month on one of my bank credit cards beginning XX/XX/XXXX. I agreed to pay this until I could investigate the allegations and so that the collection agency would not contact the credit bureau and damage my credit. I knew that the alleged amount owed was drastically wrong because my earnings from my work for the entire year was only around {$75000.00}. \n\nI hired a C.P.A. and together we did my XX/XX/XXXX state tax forms again : I owed {$260.00}! Also, XX/XX/XXXX I had called the N.M. State Taxation department and was frequently in contact with an employee there who was handling my account. I sent the N.M. State Personal Income Tax forms directly to her as she instructed, by certified mail on XX/XX/XXXX. Meanwhile, I had been paying {$100.00} per month to Performant Recovery. When I informed the N.M. State Dept. of Taxation of their huge error I demanded that they notify Performant Recovery to discontinue billing my credit card immediately and reimburse me the overpayments that I made. Also, I called the Performant Recover company several times and was left " holding '' for 20-30 minutes every time without ever speaking to a human being. I then left messages about stopping the monthly charges. However, they never stopped charging my bank credit card even at this writing! Phone calls to the N.M. State Taxation and Revenue Dept. were never returned and the woman who had handled my account was sent to a different department. The new person never returned my calls or contacted me in any way. My bank fined me late charges for not paying the {$100.00} bill per month and I filed complaints with the bank ; but Performant Recovery kept charging my credit card and still is. They are sending threatening letters to me about what they are calling a " delinquent account '' for a balance of {$2600.00} when I owed the state of N.M. only {$260.00}.! They need to be stopped and they need to reimburse me for all the overpayments! \n Company chooses not to provide a public response Performant Financial Corporation NM 871XX Older American Consent provided Web 01/20/2016 Closed with explanation Yes No 1747236
512408 03/18/2016 Debt collection I do not know False statements or representation Attempted to collect wrong amount I took XXXX dog to XXXX XXXX hospital to the vet and made monthly payments of XXXX. To my knowledge this was not credit or a loan kind of deal but more as a pay as you go for service. I called around. XXXX/XXXX to cancel the debt the debt was never canceled by XXXX and they continue to charge me up to XXXX XXXX. After my dogs care had stopped there in XXXX being the last month he was ever seen in that hospital. I received a letter saying I owe XXXX to I.C. Systems. I attempted to call them because I Believed it was a scam and I I never heard from them again. Today it was report to the credit bureau. Which I do n't understand cause it was never a credit and I refuse to accept that debt because my animal stopped recieving care. Not only that I.C. systems never followed up with me. I am willing to pay what is owed up until XXXX/XXXX and have the removed from my credit report because it is unfair that I 'm being overcharged for services that was n't Provided after XXXX XXXX \n Company has responded to the consumer and the CFPB and chooses not to provide a public response I.C. System, Inc. CA 945XX Servicemember Consent provided Web 03/18/2016 Closed with explanation Yes No 1839279
512682 01/28/2016 Debt collection Medical False statements or representation Attempted to collect wrong amount I underwent a XXXX in XXXX 2015. The hospital in question accepted my initial condition and took care of me. However, I rejected additional XXXX, and against my will they billed me for services that were not rendered \n Company believes it acted appropriately as authorized by contract or law AmeriCollect TX 750XX Servicemember Consent provided Web 01/28/2016 Closed with explanation Yes No 1761835
512726 02/01/2016 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Frequent or repeated calls I owe money to XXXX XXXX. They sent the debt to ic system, and they have been calling my wife about my debt repeatedly, even after saying they wo n't call anymore. \n Company chooses not to provide a public response I.C. System, Inc. MA 027XX Servicemember Consent provided Web 02/01/2016 Closed with explanation Yes No 1766751
512740 03/15/2016 Debt collection Medical Disclosure verification of debt Not given enough info to verify debt I obtained my credit reports and Mid Michigan CB was on their showing negative on my credit report. I do not know who these people are. I have sent them a certified letter to provide me with proof of both accounts XX/XX/2016 which i provided you with this letter that is attached.. Also in my letter I told them I am also exercising my right under FDCPA to dispute the alleged account and demand validation from them.They have gave me nothing \n Company believes it acted appropriately as authorized by contract or law Mid-Michigan Collection Bureau MI 481XX Older American Consent provided Web 03/18/2016 Closed with explanation Yes Yes 1832444
512781 01/28/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid XXXX 2014 I went to the hospital with full healthcare coverage. I paid my copay and received medical service. I paid the appropriate healthcare bill and have had my account sent to Americollect. \n Company believes it acted appropriately as authorized by contract or law AmeriCollect TX 750XX Servicemember Consent provided Web 01/28/2016 Closed with explanation Yes No 1762436
512831 03/17/2016 Debt collection Auto False statements or representation Attempted to collect wrong amount I had a credit card, auto loan, and personal loan from XXXX XXXX sent to Stephens and Michael 's Associates debt collection law firm. While making the payments to Stephen 's and Michael 's I was under the impression that all of my payments were going towards the debt. When I completed my payments with Stephen 's and Michael 's I contacted the bank to get the title of the car since I was under the impression that all our debts had been paid. The bank explained to me that Stephen 's and Michael 's charges a XXXX-XXXX % fee and that I still owe the bank. Even the customer service representative admitted that this is a common tactic of Stephen 's and Michael 's and that others have been led to believe that their debts were fully paid off when they in fact were not. The entire time in dealing with Stephen 's and Michael 's I was never informed of this fee and the fact that the final payment I made was n't going to fully satisfy the debt. \n Company disputes the facts presented in the complaint Stephens and Michaels Associates, Inc. TX 750XX Servicemember Consent provided Web 03/21/2016 Closed with explanation Yes No 1836142
513212 02/26/2016 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount Disputed debt, failed to respond to Dispute Notice, continues collection efforts \n Company believes the complaint is the result of a misunderstanding CCS Financial Services, Inc. TX 780XX Servicemember Consent provided Web 02/26/2016 Closed with explanation Yes No 1805290
513527 02/12/2016 Debt collection Credit card Improper contact or sharing of info Contacted me after I asked not to I received a letter stating I owed a debt. I sent a debt validation letter back and did n't receive validation but did receive another letter for debt payment. I clearly stated in my validation letter not to contact me or continue to try and collect without validating the debt. \n Company chooses not to provide a public response Hodosh, Lyon & Hammer, PC RI 028XX Servicemember Consent provided Web 02/12/2016 Closed Yes No 1786873
513715 11/01/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine In XX/XX/XXXX, I received a letter from Professional Credit Services attempting to collect a debit in the amount of {$230.00} listed for collection by XXXX XXXX XXXX XXXX XXXX. I did not incur this debt. \n\nI immediately sent with a letter to dispute the debt and to request debt validation. I sent the letter via Certified Mail. I have a return receipt showing Professional Credit Services received it on XX/XX/XXXX. \n\nIn the meantime, I sent an email to XXXX XXXX - XXXX XXXX XXXX. I wanted to know how an account was established in my name when I never applied for it. \n\nXXXX XXXX XXXX at XXXX XXXX - XXXX responded to my email. She said someone drove into a transfer station on XX/XX/XXXX, dumped a load of solid waste, but could n't pay the fee. The transfer station had to open an account to collect the fee at a later date. \n\nThe transfer station used a vehicle registration to open the account, but I no longer owned that vehicle. I sold it on XX/XX/XXXX. I informed XXXX that I had submitted a properly filed Report of Sale to the Washington State Department of Licensing on XX/XX/XXXX, and that I can not be held responsible for a debt incurred on XX/XX/XXXX. XXXX XXXX informed me that Professional Credit Services have to substantiate that. \n\nOn XX/XX/XXXX, I mailed another letter to Professional Credit Services via Certified Mail. The letter included a detailed explanation of how the debt came to be put in my name. I also provided adequate proof that it was not my debt. I included a copy of the Report of Sale as evidence that I did not own the vehicle when the debt was incurred. I also provided a copy of the Bill of Sale bearing my signature and the signature of the new owner. \n\nI have a Return Receipt showing Professional Credit Services received my letter on XX/XX/XXXX, but on XX/XX/XXXX, I received another letter attempting to collect the debt. \n\nThe collection notice included debt verification in the form of a receipt bearing a signature of the person who incurred the debt. The last name is not legible, but the first name looks like " XXXX. '' It 's not my signature and it 's not the signature of the buyer, XXXX XXXX, as it appears on the Bill of Sale. \n\nThe debt verification also included a computer screen print showing the account information on file with XXXX XXXX XXXX XXXX. The driver 's license field is blank. XXXX XXXX admits that the transfer station did not obtain any identification from the driver. The account information shows a phone number, but the number has never been assigned to me. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Ray Klein, Inc. WA 980XX Older American Consent provided Web 11/01/2015 Closed Yes No 1634606
513768 12/07/2015 Debt collection Medical Disclosure verification of debt Not given enough info to verify debt I had requested an official verification of debt under the FDCPA and Hawaii FDCPA from a collection agency, named Argon Agency located XXXX, XXXX Hawaii. The legal definition of " verification '' means to affirm by oath or affidavit. Unfortunately, the alleged debt collector failed to do this even though I had requested it in writing several times. \n\nThey have consistently defamed me to the consumer reporting agencies fraudulently without verification or acknowledge my dispute as a disputed debt, blatantly misrepresenting the debt. \n\nThese acts have caused great injury and irreparable damages in blocking me from credit worthiness that has negatively affected my housing and financial situation. \n Company believes it acted appropriately as authorized by contract or law Aargon Agency, Inc. HI 967XX Servicemember Consent provided Web 12/22/2015 Closed Yes No 1685841
513823 02/11/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid Third party collection agency is trying to collect and reported to credit bureau a debt I advised I do not owe the amount they say I owe as I made payments. I also sent a letter within 30 days disputing debt and requesting them to show me how I owe them I never received a response. The amount I agreed I owed i paid in full to original creditor prior to it being put on my report. \n Company chooses not to provide a public response Virtuoso Sourcing Group, LLC. GA 300XX Servicemember Consent provided Web 02/16/2016 Closed with explanation Yes No 1782429
514232 02/24/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I have been receiving calls for years from several debt collectors for my husband 's son 's debts. We owe nothing. My husband and his son have the same name. I have told them to stop calling and gave them son 's phone # but they call several times a day some with different phone # 's ... ca n't answer my phone anymore. \nLast number XXXX. PLEASE HELP! Thank you \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Debt Recovery Solutions, LLC MD 206XX Servicemember Consent provided Web 02/29/2016 Closed with explanation Yes Yes 1803288
514301 02/23/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid The alleged debt is erroneous. ALL associated costs were paid when I switched phone service providers. I have requested, from the claimant, records to support the purchased debt. Claimant has failed to provide supporting documentation to support their claim. Instead the company who purchased the alleged {$41.00}. debt, unethically reported the debt as valid, while refusing to support their claim. \n Company believes it acted appropriately as authorized by contract or law ERC OH 454XX Servicemember Consent provided Web 02/25/2016 Closed with non-monetary relief Yes No 1798208
514329 12/16/2015 Debt collection Medical Communication tactics Threatened to take legal action I kept getting calls from XXXX, I would answer and no one on other end would answer, I finally called them back and it turned out to be American Medical Collection Agency. Trying to collect {$12.00} from a lab company. They had name of my Doctor. I went to My Doctor 's office & raised XXXX about turning over {$12.00} to a collection agency, as I keep a {$0.00} balance on my account with them after my insurance pays them. They looked into it & told me to beware of a scam. Had n't heard from this collection agency for awhile, now they started calling again. I got some guy with an XXXX ( country ) accent start threatening me, said he was recording call. So being 100 % XXXX, I told him " record this '' & I introduced him to some stress reliving swear words in my XXXX accent & told him I was going to report them to the FBI. I could not find where to file a complaint with them. Your site came up, so here I am. I am a little worried about some sort of scam, not the {$12.00} they think I owe. They had my Doctor 's name, my phone number, and my e-mail address. This worries me the most. I looked up the number on line, and it seems this company is very " shady '', as there seems to be many lawsuits being filed against them. I would like you to contact them and remove me from their call list. \n Company believes it acted appropriately as authorized by contract or law Retrieval-Masters Creditors Bureau, Inc. WI 530XX Older American, Servicemember Consent provided Web 12/16/2015 Closed with explanation Yes No 1700091
514488 02/22/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine These charges related to my XXXX that took place on XXXX XXXX have been, for the most part, written off as XXXX who I settled my hospital dept of {$10000.00} for {$270.00}. \nThe reason being XXXX fold. The first reason is that I have a witness, who drove me to my XXXX that day that the hospital representative said my insurance would cover 100 % of my costs related to my XXXX. Later, I was notified that my insurance would not cover it. \nAlso, I am currently retired and only receiving {$860.00} per month to live on, with not a cent left over. \n Company believes it acted appropriately as authorized by contract or law Emerald AR Systems, LLC AZ 857XX Older American Consent provided Web 02/22/2016 Closed with explanation Yes No 1798430
514736 02/25/2016 Debt collection Medical Disclosure verification of debt Not given enough info to verify debt XXXX collection agencies collecting the same debt. Collection agency refused to take partial payment \n Company believes it acted appropriately as authorized by contract or law AAA Collections SD 574XX Older American Consent provided Web 02/25/2016 Closed with explanation Yes No 1804095
514798 02/09/2016 Debt collection Mortgage Communication tactics Frequent or repeated calls XXXX sent numerous letters explaining in there flyer options for a fresh start.Deceptive if you do a short sale you will be responsible for the difference which you will have to pay tax on. Second option for a fresh start Deed-In-Lieu or Foreclosure. Please read accompanying flyer. Looks like same as short sale. Spoke with XXXX at XXXX who understood the reason for my mother 's desicion for deed in lieu or Foreclosure and sent out nessacery paper work Personal Financial Statement, Assets and Liabilities, Income and Expenses, as you can see there is no way she can afford a 3 month trial period @ {$1000.00} a month. She sent back all required documentation.The next time I spoke to XXXX she said they did not receive the information and would send a XXXX pre paid envelope if they did not recieve it by XXXX/XXXX/2016, .The only thing sent was 1 certified letter and 2 in the mail box with the same forms for a modification.My mother received it on XXXX/XXXX/2016. XXXX is either confused our incompetent either way I think my XXXX year old mother with XXXX is being taken advantage of. The only thing short is the protection of seniors.. What a joke when I am told that it 's up to them because they might loose money. Hello they never loose money and if they do then that 's the way it goes when you are supposed to be experts in home buying and selling. This is why tax payers have to bail out all the banks and business 's! Will email copies of documents sent by XXXX and filled out and sent to them \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Bank of America SC 295XX Older American Consent provided Web 02/10/2016 Closed with explanation Yes No 1779799
514836 01/23/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I rec 'd a letter from Ally XXXX for a debt that is NOT ours. I verified this with my husband 's SS #. I told them XXXX to not contact us again via phone or letter or I would file a complaint with CFPB. I even wrote that on their letter and sent it back the next day. They even asked if I knew the person they were trying to reach. There are several people with the same name ... .I googled it. How would I know WHICH one they were looking for? Besides even if I did know ... ... it 's NONE OF MY BUSINESS!!!!! \n Company chooses not to provide a public response Ally Financial Inc. IA 515XX Older American Consent provided Web 02/01/2016 Closed with explanation Yes Yes 1754999
514859 02/17/2016 Debt collection Other (i.e. phone, health club, etc.) Taking/threatening an illegal action Seized/Attempted to seize property Wells Fargo took {$10000.00} from my account with no due process or prior notification that this would occur. The debit on my accounts only had the name of a law firm I did not know and a phone number from a city I had not visited in over 10 years. After some investigation I found that Wells Fargo had taken my money due to a court order against another individual with the same name. I spoke with the lawyer listed on the debit, and he worked with the Wells Fargo lawyer to return my money. \nWhile I am glad to have my money back I am still troubled by the gross negligence displayed by the bank in taking the money out of my account without verifying any personal information beyond my name ( no SSN, no DoB, etc ). When I asked the bank for an explanation they offered none, then after originally agreeing to escalate the issue to their executive office they began an endless loop of transferring my call to other office that could not help. \nI was lucky to catch this transgression when I did, and even luckier that I was able to live for a short time without the funds they took, but that does not excuse the reckless behavior of Wells Fargo. I hereby ask the CFPB to investigate Wells Fargo in their lack of due diligence when paying debt collectors and prosecute the bank for any illegal activities that the Bureau uncovers. \n Company chooses not to provide a public response Wells Fargo & Company VA 220XX Servicemember Consent provided Web 02/17/2016 Closed with explanation Yes Yes 1792064
514863 02/11/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid I went to the hospital before I joined the XXXX, I could not afford to pay the bill. I enlisted in the XXXX and was contacted by XXXX XXXX XXXX for the hospital bill, I paid this collection company the entire amount {$1000.00}. I discovered that another collection company First Source Advantage is collecting the same debt. I have contacted them and they said it is a different bill for a different collection. I disputed with XXXX and they said I did not pay this debt. \nI did some research and found that the hospital I went to XXXX XXXX XXXX was purchased the same month my debt went into collection by the TN XXXX XXXX XXXX which was XXXX 2013. I paid the collection from the TN regional health system but the collection from XXXX XXXX XXXX which is First Source Advantage will not accept this explanation and says they are XXXX different hospitals. I look online today and they have the same address, phone and website for TN XXXX XXXX XXXX. \nPlease help me get the collection removed from my report. Please let me know if you need any other information.. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company FirstSource Advantage, LLC CA 920XX Servicemember Consent provided Web 02/11/2016 Closed with explanation Yes No 1783915
515320 12/24/2015 Debt collection I do not know Communication tactics Called after sent written cease of comm Harassing calls and bringing up the past credit one bank with XXXX credit monitoring \n Company chooses not to provide a public response Barclays PLC NC 270XX Servicemember Consent provided Web 12/30/2015 Closed with explanation Yes No 1716166
515393 12/20/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine Original debt was with XXXX. It was charged off my credit and purchased by XXXX XXXX. I then received demand letters from Mitchell , Rubenstein & Associates demanding payment.. I disputed again and never received anything from them either. A judgement was placed against me due to a summons being served at a home I had n't rented in over 2 years! I wrote Mitchell, Rubenstein & Associates on XXXX XXXX and asked them to reverse the Judgement and now just over 1 month later my bank account has been frozen without ANY correspondence from them. They have very POOR and unfair practices, especially over a {$700.00} debt that supposedly occurred in 2012. \n Company chooses not to provide a public response Mitchell Rubenstein & Associates, P.C. VA 230XX Servicemember Consent provided Web 12/20/2015 Closed with explanation Yes No 1709709
515590 12/19/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt resulted from identity theft Incurred debt to Identity. Contacted National Credit Systems. Person handling account was rude. Spoke with Supervisor she assured she would send me a Fraud Packet I never received it. Due to me needing to move paid the account on XXXX/XXXX/2015 and XXXX/XXXX/2015 and yet they fail to update my credit report. \n\nEven after a recent dispute in XX/XX/XXXX they are reporting it to XXXX for Residents, XXXX, XXXX and XXXX. I will be contatcting the property as well in regards to this matter. \n Company disputes the facts presented in the complaint National Credit Systems,Inc. NC 276XX Servicemember Consent provided Web 12/19/2015 Closed with explanation Yes No 1708383
515643 02/29/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt resulted from identity theft I am a victim of identity theft and someone stole my personal information and opened an unauthorized and fraudulent account in my name with XXXX XXXX and XXXX XXXX and accumulated a debt of {$670.00} that do not belong to me. I been receiving harassing and threatening telephone calls including XXXX for an account and debt that do not belong to me. \n Company disputes the facts presented in the complaint Professional Placement Services, LLC MN 554XX Servicemember Consent provided Web 02/29/2016 Closed with explanation Yes No 1807718
515851 12/14/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine My wife and I have received phone calls from nations recovery center in. XXXX georgia # XXXX. A XXXX XXXX asks for someone with a somewhat similar name to my wife 's and also our address and the last XXXX of her social. Even though she has assured him she is not the person he is looking for the calls persist. I asked to speak to a supervised but have not wpreceived a return call to date. \n Company disputes the facts presented in the complaint Nations Recovery Center PA 191XX Older American Consent provided Web 12/14/2015 Closed with non-monetary relief Yes No 1695661
515903 02/01/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Phone call on home landline phone from Advance Capital Solutions claiming to be a debt collector and alleging that I have an outstanding debt from 2011 to XXXX in the amount of approximately {$160.00}. Wanted me to pay it immediately by credit card or send check. I told them the debt was not mine and requested a copy of the XXXX membership contract with my name. They kept insisting it was my debt and I needed to pay it. I said when I receive information then I will probably file a police report of identity theft if it truly shows my name and address, etc. I gave them my address to mail to. They said they would, however since then I have found by using their phone number on the internet that they are either a scam collection agency or a real agency with fraudulent practices. Phone number was XXXX Ext XXXX XXXX. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Turning Point Solutions LLC CA 906XX Older American Consent provided Web 03/03/2016 Closed with non-monetary relief Yes Yes 1767935
515940 01/05/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Received a call from a person stated his name was XXXX, ( XXXX ) XXXX, at about XXXX XXXX, on XXXX XXXX, 2016, with Fair Collection and out source. I asked why he was calling me at this late hour. This is when he stated he was attempting to collect a debt i owed. I advised him that under California Laws he should not be calling me at this hour. He was rude toward me. I hung up the phone. It should be noted after I hun up he called bace again. \n Company chooses not to provide a public response FAIR COLLECTIONS & OUTSOURCING, INC. CA 922XX Servicemember Consent provided Web 01/05/2016 Closed with explanation Yes No 1728188
516243 12/24/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine mrs associates, ph ( XXXX ) XXXX continues calling my number which is ( XXXX ) XXXX in an attempt to contact a family member. These are unwanted phone calls, and I hang up before the recording can finish. I am on the " do not call list '' and for privacy have an unlisted number. \n Company believes it acted appropriately as authorized by contract or law MRS BPO, L.L.C. TX 765XX Older American, Servicemember Consent provided Web 12/24/2015 Closed with non-monetary relief Yes No 1716422
516261 01/07/2016 Debt collection I do not know Communication tactics Called after sent written cease of comm They called at night, I explained that because of my work schedule calling at XXXX was inappropriate. They said it was a business matter. I told them to call during business hours, because of my work schedule I am home during normal business hours. I asked them to document that I asked them to call during business hours, XXXX times. Then I sent a letter. Tonight I got a call and had to ask the caller their name XXXX times, they finally asked me why I need their name, I told them I want it for my records, I was told their name is XXXX. I explained AGAIN about business hours and the letter sent. They said they 'd get a supervisor. They put me on hold then came back and said their supervisor says they are allowed to call at XXXX but they can note the account to call at XXXX. I said, no, business hours. You said it 's a business matter, call during business matters, I was again ignored. They do n't care about when they call, and yes XXXX is cheating, you can call legally UNTIL XXXX and when I requested they not, more than once AND sent a letter, they still did n't heed any of it. \n Company chooses not to provide a public response Sunrise Credit Services Inc. MI 486XX Servicemember Consent provided Web 01/07/2016 Closed with explanation Yes No 1729495
516323 12/29/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt resulted from identity theft I worked in XXXX from XX/XX/XXXX until XX/XX/XXXX. Someone accessed my personal information and used XXXX XXXX. \nNow Jefferson Capital Systems is claiming an account opening on XX/XX/XXXX which is a complete fabrication. My signature is on no document authorizing this service. I did not require a cell phone in XXXX while I was XXXX. \n Company believes it acted appropriately as authorized by contract or law CL Holdings, LLC OH 440XX Older American Consent provided Web 12/29/2015 Closed with non-monetary relief Yes No 1718391
516415 01/01/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine XXXX XXXX XXXX has hired a law firm to collect {$34000.00} from me. They have put a judgment on me and it 's on my title suspending my assets. I believe they are trying to recover costs that they ( XXXX XXXX ) paid to defend XXXX XXXX XXXX XXXX XXXX after I filed a lawsuit for being fired unlawfully. I never received an " order of entry of Judgment '' is what I was told to look for. I was never served, nor was I aware that I was responsible for these charges. I would have disputed these charges right away, but it was a year or more later when I received a bill from Wilbur and Associates naming/ labeling XXXX XXXX as the " client '' for this exact amount. When I received this " bill '', I wrote the very next day disputing these charges but never heard anything back. My lawyer at the time of this lawsuit ( for wrongful termination ) XXXX XXXX, told me that the case was dismissed on XX/XX/2008 and I was never court ordered to pay any fees or costs from this lawsuit. My lawyer told me that the case was " dismissed '' because he filed paperwork " improperly '' It was the UDF ( Undisputed Facts ). PLEASE someone needs to investigate XXXX XXXX, XXXX XXXX AND WILBUR AND ASSOCIATES for the claim they are making, with no corresponding documents, no court order and nothing stating that I owe or need to reimburse these fees of {$34000.00}. If this was court ordered XX/XX/2008, at the time of the dismissal of lawsuit, I would have known about it and my responsibility to pay AND I WOULD HAVE HAD MY LAWYER DISPUTE THESE CHARGES IMMEDIATELY. \n Company chooses not to provide a public response Wilber and Associates, P.C. CA 906XX Older American Consent provided Web 01/01/2016 Closed with explanation Yes No 1724601
516439 11/20/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine FOX COllections keeps trying to collect on a debt for XXXX Hospital and has reported it on my XXXX credit report repeatedly. I am XXXX Army and I have insurance had full coverage insurance at the time. XXXX to be infact, and according to XXXX they only have record of me using their facilities XX/XX/XXXX, XXXX Hospital 's records reflect the same information- stating that I have no debt to them and none for that company to collect. In XX/XX/XXXX I disputed the collection company and had them removed from all of my credit reports. In XXXX XXXX Fox reopened the same collection on all XXXX of my credit reports under a XXXX date. I disputed them again and all but XXXX has removed them from my report. I am XXXX army and have been covered by XXXX since XXXX. I honestly think they re-opened the original thinking that I would not notice. But it is greatly effecting my ability to finance my house. \n Company believes it acted appropriately as authorized by contract or law Professional Recovery Management HI 967XX Servicemember Consent provided Web 11/20/2015 Closed with explanation No No 1664813
516676 11/19/2015 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect I filed for a payday loan before joining the XXXX XXXX back in 2013 for an amount not exceeding {$1000.00}. I have the bank documents where they withdrew the amount from my account. I have been contacted indirectly by a third party, XXXX XXXX XXXX, demanding a payment for the amount of {$850.00} owed. They did not verify the original amount, nor did they send me documentation of the original contract. They also threatened legal action if I did not pay the settlement that was offered. I contacted The Cash Store ( original creditor ) to find out if I could get the original document to assess the situation, and whether or not I owed any amount. They said there was a remaining balance that was sold to a third party, and they did not have the original document. I then contacted their corporate office, who said they did not have any original documentation of the contract, and just stated the payments I paid to The Cash Store. They referred me to the third party the remaining balance was sold to, which was not XXXX XXXX XXXX, but XXXX XXXX XXXX, XXXX. \n Company chooses not to provide a public response Cottonwood Financial Ltd. LA 711XX Servicemember Consent provided Web 11/19/2015 Closed with explanation Yes No 1663236
516856 01/14/2016 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount On XXXX XXXX, 2016 at about XXXX I spoke with a representative XXXX to gain clarity and further verification of a debt in their office. Later he provided a Pay for Deletion offer in the amount of {$3000.00} to get IQ Data off my credit report. I asked him to give me sometime and I would call him back the following day. On XXXX XXXX XXXX called to continue discussing the Pay for Deletion and when asked to furnish a letter he refused and placed me on the phone with his supervisor. The supervisor after I told her I was n't going to furnish my credit card info to guarantee me the Pay for Deletion and terms discussed said she was going to place that I refuse to pay the debt in the notes to the file. As well as charging interest to the debt that is owed. The interest was over {$1500.00} and the claimed debt I owed was over {$4700.00}. When asked to send my debt back to the original creditor IQ Data reperesenative refused. This has truly place a strain and damage to y credit report and history for the past XXXX. These practices are illegal under the FCDPA and the FCRA. \n Company believes it acted appropriately as authorized by contract or law I.Q. Data International, Inc. FL 322XX Servicemember Consent provided Web 01/14/2016 Closed with explanation Yes Yes 1742475
517071 03/03/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt resulted from identity theft Please review previous Consumer Financial Protection Bureau Case Number # : XXXX. I want Professional Placement Services to close the account, XXXX out the balance, have the account removed from my XXXX credit report, and not sell or transfer the account back to XXXX XXXX Bank or another debt collection agency, which in turn is going to contact and harass me for the same debt I do n't owe. I am a victim of identity theft and the debt is a result of identity theft. \n Company believes it acted appropriately as authorized by contract or law Professional Placement Services, LLC MN 554XX Servicemember Consent provided Web 03/03/2016 Closed with explanation Yes No 1816214
517349 01/05/2016 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine This debt was part of a business debt and not mine personally. The date the account was delinquent should be XXXX not XXXX and is over 7 years old. This is an attempt by a collection agency to keep the collection in force by changing the open date. \n Company believes it acted appropriately as authorized by contract or law CFS2, Inc. TX 750XX Older American Consent provided Web 01/05/2016 Closed with explanation Yes No 1728703
517542 02/22/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I received a voice message this morning on my home phone, XXXX, from ProCollect, Inc., XXXX, TX, a debt collection agency. The caller requested that I return their call at XXXX. I have not and will not do so. \n\nAlleged debt of {$120.00}, as noted in a letter from ProCollect on XXXX XXXX XXXX, is for repairs to purported damages to an apartment I shared with XXXX other occupants. I responded to ProCollect by letter dated XXXX XXXX XXXX that that I disputed the charges claimed by XXXX, the lessor. In my letter, I stated that some of the purported damages were noted as pre-existing on my move-in report ( which XXXX XXXX has failed to provide ), and I disputed the existence of others. I requested a move-in joint walk-through from XXXX when I occupied the premises on XXXX XXXX XXXX, and a move-out walk-through was also requested on XXXX XXXX XXXX. Both requests were denied. My XXXX roommate who was still in the apartment on XXXX XXXX also requested a move-out inspection on that date, and was also denied. Since there was no documented joint agreement on the premises ' condition at move-in, and refusal to do a joint inspection at move-out, XXXX unilateral claims as to damages are without merit. I also requested refund of my security deposit in the amount of {$100.00}. \n Company chooses not to provide a public response ProCollect, Inc FL 327XX Servicemember Consent provided Web 02/24/2016 Closed with explanation Yes Yes 1797624
517607 02/19/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I recieved a letter requesting payment on a debt that may have been my former wife 's. We we divorced on XXXX XXXX 2007 and her debts were discharged in bankruptcy in 2007. I have never had an account that they are claiming. And if I do not respond to them then they are claiming I am accepting a debt I never had to begin with. \n Company believes it acted appropriately as authorized by contract or law First National Collection Bureau, Inc. CA 933XX Servicemember Consent provided Web 02/19/2016 Closed with explanation Yes No 1793340
517613 02/24/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine American Accounts Advisors had previous removed this account in 2014. It 's showing up again. Its not my account. I never signed anything with XXXX XXXX. Never needed their service never opened an account. This is now turned to collection harassment! \n Company believes it acted appropriately as authorized by contract or law American Accounts & Advisers Inc. AZ 850XX Servicemember Consent provided Web 02/24/2016 Closed with explanation Yes Yes 1799663
517655 02/22/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I cancelled the contract in less than 3 days with XXXX because I had to move. They refused to allow me to cancel and want money I do not owe! XXXX (? ) Place a collection and it was removed as shown on my XXXX credit report, now Stellar Recovery Inc has it listed as a bad collection debt. \n Company believes it acted appropriately as authorized by contract or law Stellar Recovery Inc. NC 285XX Older American Consent provided Web 02/26/2016 Closed with explanation Yes No 1797156
517821 12/07/2015 Debt collection Auto Cont'd attempts collect debt not owed Debt was paid I had a leased vehicle. When I turned it back to XXXX I was billed {$600.00}. I am XXXX yrs old, get food stamps and can not make ends meet. The lease had been paid by a relative who can no longer help. It was financed through Ally. I have been sending a {$10.00} check faithfully every month. However Multiple phone calls continue to come although I have contacted them both by phone and mail. Although I have blocked the calls they continue to leave messages which use up my meager allotment of minutes on my cell, my only phone. \n Company chooses not to provide a public response Ally Financial Inc. FL 321XX Older American Consent provided Web 12/07/2015 Closed with explanation Yes No 1685576
517950 02/25/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine My X wife had an issue with her XXXX telephone bill. She tried to resolve it but XXXX was so stubborn about it that she simply gave up and did not pay the bill. Then an collection agency got involved and they offered to reduce the bill if she would pay it. I was the one who spoke to the collection agency on the phone when the deal was made. My wife paid and we taught that was the end of it. Well 2 months later the same collection agency called back and told my wife that she still oved them some money. I got on the phone my self and ask them what in the XXXX is going on when just 2 months ago we settled that problem. Stubborn as they are they kept insisting that it was a misunderstanding. I told them to go to XXXX and do not bother us any more. On XXXX XXXX XXXX I got divorced from my wife and we live separately. I got another call from XXXX about one month ago from the same collection agency number XXXX and she asked to talk to my wife. I told that my wife does not live here and I asked her not to call again. Yesterday at XXXX XXXX XXXX XXXX I got an anonymous call I assume from the same agency. On XXXX XXXX at XXXX I got a call and a recorded message to call XXXX. I need for somebody to tell these people to cut it out. TO STOP, THIS IS PURE HARASSMENT. THIS IS NOT FUNNY ANYMORE. ENOUGH IS ENOUGH. I DO NOT OWE THESE PEOPLE ANYTHING. \n Company disputes the facts presented in the complaint Amsher Collection Services, Inc. FL 331XX Older American Consent provided Web 03/01/2016 Closed with explanation Yes No 1802004
517988 02/18/2016 Debt collection Non-federal student loan Improper contact or sharing of info Talked to a third party about my debt i went to a XXXX school called XXXX located in XXXX fl. took out a loan with a company called XXXX to help pay for XXXX school. a few months down the road i ended up unemployed, becasue my wife joined the army leaving me with no choice but to quit and take care of my kid. \nso my loan ended up going into collections with a company called XXXX , Inc located at XXXX XXXX XXXX XXXX, Texas XXXX this is where their harassment began i spoke with them and told them about my situation and that once i find a solution ( job or some how obtain the money to pay them back ) that i would contact them. they went on and started call me every day and when i would n't pick they would call all my family and friends even people i have n't spoken to in years and they would call all family and friends every single day telling them about my collection and to tell me to call them back \n Company believes it acted appropriately as authorized by contract or law Lockhart, Morris & Montgomery Inc. FL 335XX Servicemember Consent provided Web 02/23/2016 Closed with explanation Yes No 1793125
518226 12/18/2015 Debt collection Credit card Communication tactics Frequent or repeated calls I have been out of work for most of XX/XX/XXXX due to moving, illness, and a car accident. I have received repeated calls from Sterling Jewelers/Kay Jewelers during this time in an attempt to collect a payment from me on an account for which I owe less than {$120.00}. I have tried to make the payments when they set them up but with no steady income I have been unable to follow through. They call up to 4-5 times a day, often from different numbers, in an attempt to make me answer the phone I assume. I have blocked XXXX numbers to date that I know belong to this company and yet they still call. They call late in the evening as well. They are sometimes rude and continually ask when I think I can pay and I 've told them I do n't know as I am trying to find a job every day! I just recently was given a position but it does n't start until XX/XX/XXXX and they still want to know when I can make a payment. \n Company believes it acted appropriately as authorized by contract or law Sterling Jewelers Inc. NC 282XX Servicemember Consent provided Web 12/18/2015 Closed with explanation Yes No 1707163
518390 01/26/2016 Debt collection Credit card Improper contact or sharing of info Talked to a third party about my debt XXXX & mary jane elliott pc obtained a judgment after i paid as agreed 18 monthly payments, then my student loans were garnished & i had to replace a furnace. I live in michigan & was unemployed for about 24 months, lost equity in home & small XXXX. I 'm XXXX yrs old. The underlying credit card ( XXXX or XXXX XXXX XXXX ) was weeks away from expiring when it was transferred, possibly sold outright so i dont know who owns it! \n Company believes it acted appropriately as authorized by contract or law Mary Jane M. Elliott, P.C. Attorneys At Law MI 492XX Servicemember Consent provided Web 01/26/2016 Closed with explanation Yes Yes 1758946
518406 02/09/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I get at least one call a day, Monday thru Saturday, from a XXXX XXXX from the National Recovery Agency. This is a robo-call and she leaves a message on the machine. There is no live person to talk to. I am a XXXX-year old XXXX, own my own home, have no bills except for the utility and credit card bills, which are paid on time, every time. \n Company can't verify or dispute the facts in the complaint NRA Group, LLC MO 633XX Older American Consent provided Web 02/19/2016 Closed with explanation Yes No 1779195
518471 10/29/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I rented a XXXX Bed Room Apt from XXXX XXXX Apartments in XXXX FL. XX/XX/XXXX. I informed Management that I would be moving in 30 days due to employment relocation to XXXX XXXX I moved out on XX/XX/XXXX. The property manager retained my security deposit. I was not informed of any additional charges over and above my security deposit. XXXX XXXX Apartments reported me to the XXXX Credit Bureaus as owing a misleading debt of {$2500.00}, of which {$1800.00} was for XXXX rooms of carpet installation, one months rent of {$490.00}, House keeping charge of {$120.00}, and a late fee of {$65.00}. \nUpon moving out, I left my apartment in a clean and orderly manner as when I arrived. I am a XXXX, and I was the only person in the residence. \n Company chooses not to provide a public response NCC Business Services, Inc. FL 325XX Older American Consent provided Web 10/29/2015 Closed with explanation Yes No 1631993
518720 12/24/2015 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt There is an account listed under my name for the original creditor of XXXX XXXX, however, I never signed a contract with XXXX XXXX, and after attempts to obtain a copy of a contract, I have received no response from Diversified Adjustment Service. \n\nI have sent faxes and letters requesting copies of my signature on a contract or agreement, and would like to see where this information is coming from. \n Company disputes the facts presented in the complaint Diversified Adjustment Service, Inc. MD 218XX Servicemember Consent provided Web 12/24/2015 Closed with explanation Yes No 1714647
518976 11/18/2015 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect I borrowed {$300.00}, for 1 month and paid {$190.00} for interest which is outrageous. And made payments every 2 weeks. This is the highest I have paid. This company needs some checking into. It is the Cash Store. \n Company chooses not to provide a public response Cottonwood Financial Ltd. TX 751XX Older American Consent provided Web 11/18/2015 Closed with explanation Yes No 1661023
519057 02/25/2016 Debt collection Credit card Communication tactics Threatened to take legal action XXXX XXXX XXXX , XXXX. sent a " XXXX XXXX XXXX '' notice on XXXX/XXXX/XXXX for a settlement agreement which I replied to on XXXX/XXXX/XXXX. I called and gave my XXXX XXXX XXXX XXXX information for the full settlement payment of XXXX from the $ XXXXon acct no. XXXX. On XXXX/XXXX/XXXX, I received a notice from Alpha Recovery Corp for the same account attempting to collect the full amount. I called XXXX and the representative stated that the account was settled but then referred me to their account support but gave me a different account of XXXX to refer to. The rep from the account support stated that the debt was not resolved because of a bad check which was inaccurate because the fund were available per my bank statements. Now, two years later, Alpha is attempting to collect {$460.00} and threatens to obtain a judgment when the account was agreed and settled. \n Company chooses not to provide a public response Alpha Recovery Corp MD 212XX Servicemember Consent provided Web 02/25/2016 Closed with non-monetary relief Yes Yes 1804640
519289 01/28/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid XXXX XXXX, XXXX, called to inform me that I owe funds for a car loan that occurred over 14 years ago. She had addresses, partial SSN, car make, model, and VIN #, and a lawyers name ( fake I presume ). The company that she said she represents turns out to be a utility company in XXXX Texas. The vehicle in question was used as a trade-in back in 2002. Additional research shows that several other people have been called by her as well. She sounded very professional, articulate, and well informed about the situation. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response ZENCO COLLECTION, LLC TX 765XX Servicemember Consent provided Web 02/18/2016 Closed with explanation No No 1761671
519624 01/06/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I am XXXX XXXX XXXX, and someone who knows XXXX XXXX or XXXX XXXX used my PII as a XXXX XXXX ( XXXX XXXX 's husband I suppose ) to rent an apartment at XXXX XXXX in XXXX, XXXX ( who turned the debt over to a NCC Business Services in XXXX, XXXX XXXX ). They claim I damaged an elevator to the tune of {$2000.00} and I have lived in my home at XXXX XXXX XXXX in XXXX, XXXX for the past 25 years and my marriage of the last 13 plus years is solid, so I have no idea how I became the victim of this identity fraud. I work for the XXXX for the past 13 years and was notified that PII for all government employees has been compromised and I have put a lock on my credit with a security alert. I have notified XXXX XXXX and NCC by email and in writing that this is not my debt and a fraudulent attempt to obtain monies from the wrong person. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response NCC Business Services, Inc. VA 221XX Older American Consent provided Web 01/06/2016 Closed with explanation Yes No 1730752
519663 01/22/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine CCSOffices.com, they ask for my husband. They give me no information. XXXX and I have racked our brains trying to find the debt. We do not have any debts in collections. I googled them, they have an impressive list of complaints as : Zombie Debt Collectors. \n Company can't verify or dispute the facts in the complaint CCS Financial Services, Inc. NJ 083XX Older American Consent provided Web 03/02/2016 Closed with explanation Yes No 1753596
519709 02/13/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Dish company has tried to collect a debt I do not owe. Dish turned me into collection agency early last year and after I provided all documentation the collection agency at that time removed me from the debt. This was removed in XXXX XXXX. Now a XXXX collection agency is trying to collect this " so called '' debt again. It is possible for you to look at the XXXX main credit card reporting companies to review my case. I thought when this was removed from my report that year I was done with this case, Some of the paperwork or documentation I no longer have as I did n't think I would need. Can I bring legal action against the XXXX XXXX for trying to ruin my credit. If you look at my credit reports you will see I have excellent credit. Also the collection agency XXXX has now gone through did n't even bother to send me a letter or any correspondence that this was going on my credit report. The balance XXXX say I owe is {$430.00} which is very much not correct. This case started back in XXXX of XXXX. Please advise what to do. This is so wrong what I have been through with this company. Would love to expose this company for their rotten tactics. Please advise. thank you \n Company believes it acted appropriately as authorized by contract or law Stellar Recovery Inc. OH 439XX Older American Consent provided Web 02/13/2016 Closed with explanation Yes Yes 1786923
519726 12/21/2015 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I have a new phone number ( XXXX ) and apparently, the person that had the phone number before me owed a debt to " Allied Interstate ''. Allied Interstate called my phone and asked for this other person. I told them they had the wrong number. They asked if I knew this person and I said no, this is a new number and phone for me. I do not know this person. The caller from Allied Interstate proceeded to yell and scream at me, call me names and harass me saying that I was trying to run from this debt! I just hung up ... She called right back! I have no way to block this number, they are calling the wrong person and can continue to call and scream at me whenever they want ... This HAS to be illegal? Thank you. \n Company chooses not to provide a public response Allied Interstate LLC HI 967XX Servicemember Consent provided Web 12/23/2015 Closed with non-monetary relief Yes No 1710120
519870 02/15/2016 Debt collection I do not know Taking/threatening an illegal action Threatened arrest/jail if do not pay The company called my cell phone. They did not identify themselves as a debt collector, or that the call was regarding the collection of a debt. \n\nThey said that it was a legal matter that was attached to my social security number, and that they were going to be taking it in front of a judge in XXXX XXXX, FL, where they claimed they were at. He also claimed that XXXX XXXX, was working with them, and that was why they could send out police here in WA. XXXX XXXX threatened to have the police come out to our house, and that I would end up with a felony on my record. \n\nWhen we tried to inform XXXX XXXX not to call us anymore, and that he could send us anything he liked via XXXX Mail, he repeatedly talked over us, and began to yell. At this point we hung up on him. He then proceeded to call back XXXX additional times, and continued being belligerent, yelling and at one point he told someone " they do n't know what they did, she 'll end up with a felony ''. He seemed to be speaking to someone else where he was and had n't realized that the phone had been answered. \n\nWe called them back, to get specific information on exactly what account and who the account was with. When they answered the phone they made it seem like we had reached some type of law firm. We were then transferred to someone who claimed to be a supervisor. Her name was XXXX and she said her badge id was # XXXX. XXXX XXXX said the debt was from Household finance, while XXXX said it was from XXXX XXXX, from 2005. No account numbers were given. \n\nWhen I informed XXXX that I was not working, and that we did n't have any money, she said " Well your husband can pay for it. '' When informed that he is on XXXX, she said " Well we are not trying to go after someone 's social security. '' Then she asked us about how we paid our rent, and when told we were moving, she then hung up, without " goodbye '' or anything. \n\nThis debt does NOT appear on my credit report, and I haven't't used the name XXXX since 2005 XXXX when I was divorced. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response ZENCO COLLECTION, LLC WA 985XX Servicemember Consent provided Web 02/29/2016 Closed with explanation Yes No 1787479
519932 02/16/2016 Student loan Non-federal student loan Dealing with my lender or servicer Having problems with customer service In 2000 I cosigned a loan and the borrower has not paid the latest installment. I wish to pay off this loan but Wells Fargo Education Financial Services is giving me a difficult time about paying off this loan. \n Company chooses not to provide a public response Wells Fargo & Company MI 489XX Older American Consent provided Web 02/19/2016 Closed with explanation Yes No 1788341
519963 11/21/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Frequent or repeated calls Have been receiving numerous calls from XXXX XXXX XXXX XXXX XXXX, Maine. When I pick up the receiver no one answers and there is no recording, just silence. This goes on day after day. Finally yesterday, XXXX/XXXX/2015 after receiving another call I called the number back. Woman who answered said she was from a Collection Agency, did not give a name of the organization and that she was looking for a woman, XXXX ( XXXX name ) which I can not remember. I informed her that my wife and I live here and there is no XXXX living here. Calls from this number are nearly everyday, often twice a day. The least they can do is answer the phone when they call my home. I hope you can rectify this nuisance for me. I have no debts other than monthly bills and have never dealt with a debt collector. \nThank you. \n Company can't verify or dispute the facts in the complaint First National Collection Bureau, Inc. ME 048XX Older American, Servicemember Consent provided Web 12/21/2015 Closed with explanation Yes No 1666862
519965 12/22/2015 Payday loan Payday loan Can't stop charges to bank account Can't stop charges to bank account XXXX XXXX XXXX in XXXX XXXX was charged several times in 2009 even after I advised them I was going to be closing the bank acct. I had made several payments and no matter what, the finance charges kept increasing and would turn out that I paid a total of {$1200.00} on a {$400.00} loan before closing the acct. I had to pay several fees and over draft fees and had to close the bank acct due to The Cash Store. Years went by with no contact then randomly a collections office out of XXXX contacted me threating to sue me and when I got smart back with the young man ( knowing my rights ) he admitted over my recorded work line that this debt wont be reported and I wont be subpoenaed to court. In 6 years this was the first contact I 've had with the Cash Store since speaking with the local branch manager. I learned my lesson but feel that The Cash Store should absolve the debt now. The current balance the collections office called asking for was {$2100.00}. 5x more then the borrowed amount. This is just insane \n Company chooses not to provide a public response Cottonwood Financial Ltd. TX 754XX Servicemember Consent provided Web 12/22/2015 Closed with explanation Yes No 1712560
519966 12/28/2015 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Frequent or repeated calls Focus Receivables Management calls every day and often more than once. I have asked them several times to please send me proof of the original debt, they deny this being available and continue to call. \n Company can't verify or dispute the facts in the complaint Focus Holding Company TN 376XX Servicemember Consent provided Web 12/28/2015 Closed with explanation Yes No 1719274
519970 12/28/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid I was told by Medical Business Bureau that once I paid this account in full and not a settlement it would be deleted from my credit report. Instead of deleting it, they still listed it on my credit report as paid. My maiden name was XXXX XXXX. \n Company believes it acted appropriately as authorized by contract or law Medical Business Bureau TX 775XX Servicemember Consent provided Web 12/28/2015 Closed with explanation Yes No 1718885
520210 02/16/2016 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect When I applied for this loan for XXXX, no one told me they would be charging me 299 % apr. They are charging me almost {$200.00} per month in interest. I did sign their agreement but I did not understand because they never informed me of any of these things. They just told me to sign the document. They also made me give them my banking username and password before they would give me the loan and told me it was ok for them to do this under the FDIC so they could verify my income. I never expected this type of burden. I was only trying to buy my children/grandchildren some XXXX presents. I am retired and on XXXX and there is no way in this world I can afford this type of ripoff. I feel like I have been taken advantage of because they knew my age and probably knew I did n't understand what was going on. After getting on the internet and reading the thousands of complaints about CashNet, USA I really wish I had done that before I got this payday loan. \n Company disputes the facts presented in the complaint Enova International, Inc. VA 240XX Older American, Servicemember Consent provided Web 02/16/2016 Closed with explanation Yes Yes 1790005
520317 02/20/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid XX/XX/XXXX Consumer Financial Protection Bureau I am being pursued by the XXXX Credit and Collections Office for a billing error from some time ago. This has been discussed and settled with XXXX Customer Service personnel several times. XXXX seems to be unwilling or unable to deal with this matter effectively ; now it has been turned over to debt collection agencies. This matter has gone on for so long without results, despite repeated attempts to deal with XXXX, that more effective action is required. \n\nThe history is as follows : 1. We terminated service on XXXX account number XXXX XXXX XXXX for telephone and internet service in XXXX XXXX CA on XXXX XXXX, XXXX. An automatic bank payment arrangement was cancelled on XXXX XXXX. Both cancellations were confirmed in a telephone call with a XXXX XXXX of XXXX on XXXX XXXX. We opened a new XXXX ( telephone and internet ) service on XXXX XXXX in XXXX XXXX CA. \n\n2. On XXXX XXXX I received a bill for {$130.00} which included billing for another month of the XXXX XXXX service which had been terminated. In a telephone conversation with " XXXX '' of the XXXX Customer Service dept. we were told the charges will be removed, it was caused by a " system glitch ''. \n\n3. On XXXX XXXX I received a bill for {$120.00} which again included billing for the terminated XXXX XXXX service. Another telephone conversation with " XXXX '' : " do n't pay, a corrected bill will be sent. '' 4. In a new bill, dated XXXX XXXX I was again told I owed {$100.00} for the terminated service. Another telcon with a XXXX XXXX of XXXX on XXXX XXXX : " All charges are removed, your balance is XXXX, a final bill will be sent by mail. '' 5. A letter dated XXXX XXXX XXXX from XXXX Credit and Collections ( re account XXXX XXXX XXXX, as above ) states : " We recently sent you ... Failure to pay the outstanding balance on your bill by XXXX XXXX XXXX may cause your account to be referred to an outside collection agency. This could result in reporting your debt to the credit bureaus which may affect your credit standing. " Please pay, etc. \n\n6. A letter, dated XXXX XXXX XXXX, from debt collector XXXX XXXX, XXXX informing me that the bill for {$100.00} had been referred to this collection agency. Please pay, etc. \n\n7. A XXXX on XXXX XXXX with a XXXX XXXX XXXX of XXXX Customer Service : " The balance is XXXX ; ... with the next bill - XXXX - this will show. Do not worry about the debt collector, he will be informed by XXXX. '' 8. A telcon on XXXX XXXX with a XXXX XXXX XXXX at XXXX XXXX : " They will notify XXXX that the debt had been disputed, no further action needed on your part. '' 8. A letter dated XXXX XXXX XXXX from XXXX XXXX collection agency, states : " The account information is scheduled to be reported to the national credit reporting agencies in your creditor 's name ( listing XXXX XXXX ) if you fail to fulfill your credit obligations. '' Amount due : {$100.00} ; on XXXX XXXX Account no. XXXX ( sic ; note the difference from the no. in item 1. ) It is not credible that XXXX Credit and Collections Office is simply not aware of these cases, there must be many of them. It appears to be a practice of theirs to ignore the customer service inputs, and keep pursuing these settled cases in the expectation that they will eventually just give up and pay anyway, to avoid the nuisance and the repeated threats, and particularly to avoid a credit record problem. There seems to be no deterrent to them for such practice. \n\nThese repeated attempts to bring threats by debt collection agencies, long after the original issue has been resolved, in fact amounts to a form of harassment and intimidation, and may even amount legally to a form of extortion. It needs to be dealt more effectively than simply by more letters or emails. The CPFB needs to get involved. \n\nXXXX XXXX. \n Company chooses not to provide a public response I.C. System, Inc. CA 954XX Older American Consent provided Web 02/20/2016 Closed with explanation Yes No 1796482
520377 02/12/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Received a debt collection notice for a name close to mine but incorrect middle name from National Credit Systems , Inc claiming that I have a {$500.00} debt. They are claiming that I would only have to pay {$250.00} to clear the debt. I believe this collection notice to totally be in error. I have never done business with the company that they list. When I XXXX this Collection Company I found that there are numerous complaints online against them, including being rude on the phone and having erroneous information. This is why instead of calling the company I would try to make things easier and file a complaint here. \n Company believes complaint is the result of an isolated error National Credit Systems,Inc. AK 995XX Servicemember Consent provided Web 02/12/2016 Closed with explanation Yes No 1785808
520571 02/23/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid XXXX kept sending me bills for items I had already paid on or paid in full. I finally gave up calling them and sent a complaint to this agency. They then sent me a bill for the final, remaining combined balance. It was correct, so I sent in the payment of {$64.00} on XXXX XXXX, XXXX. Thinking it was now all over, I felt calm and went on with life. \n\nYesterday, in the mail, I got a letter from " Sunrise Credit Services , Inc. '' on behalf of ... wait for it ... XXXX!!!! It is XXXX XXXX, XXXX!!!! They have an account number and balance of {$82.00} and give XXXX XXXX. XXXX where you have options on " if you pay by ... send {$62.00} '', which gives you {$20.00} off '', etc. It also declares you can use your " Tax Refund '' to clear up this debt ... Call us ... We 're happy to help! We can Grant Your Wish ''. Oh, and by the way, the last line says : " This offer will expire on XXXX XXXX, XXXX. We are not obligated to renew this offer! '' Not that I need this offer, but if I did, I only had one day to respond! Unbelievable these people! \n\nI refuse to contact them and deal with this again. It has been paid. If they put this on my CREDIT REPORT, I am going to explode! \n\nXXXX needs to get its records straight on how much people pay on their so-called " installment plans '' and when the bill is paid in full. Apparently their bookkeeping department is deficient and causing stress to consumers of the goods they advertise and sell. I thankfully kept ALL of my records from the time I ordered until I paid off the bill. Otherwise, I would have possibly been fooled into thinking they were correct! How many of our elderly out there are falling for the faulty billing practices of this phony give-a-way program? It should be investigated! \n\nNow, I am asking for your help with this bogus credit company trying to collect a debt that I do not owe. I appreciate any assistance you can give me in this matter as it is extremely frustrating and ridicules. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Sunrise Credit Services Inc. NJ 086XX Older American Consent provided Web 02/23/2016 Closed with explanation Yes No 1799917
520590 02/25/2016 Debt collection Medical Disclosure verification of debt Not given enough info to verify debt Wakefield & Associates took more than 5 days to send a " verification of debt '' letter from first contact. I had to call back 2 times after the initial call to gain a letter. I disputed the debt immediately when I requested the validation of debt letter. More than 3 weeks later, I received their verification letter. I responded in writing via certified mail within 30 days requesting further information, and also in written request that further communication be done in writing. W & A has continued to call on my cell phone, neglecting my request to further our communications in writing. It has been more than 30 days since they have received my letter, and they have not provided any further information. I would like this matter resolved as they continue to call me demanding the debt and have not validated that I own the debt. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response WAKEFIELD & ASSOCIATES, INC. CA 920XX Servicemember Consent provided Web 02/25/2016 Closed with explanation Yes Yes 1805530
520702 12/10/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid The medical bills were paid by insurance companies the bills was the result of an auto accident XXXX XXXX paid the bills for the emergency room and for all services rendered that day I also have full XXXX and XXXX so I have n't received any medical bills from hospitals or doctor for over 3 year for over three years sinc XXXX years since XXXX \n Company believes it acted appropriately as authorized by contract or law First Federal Credit Control FL 328XX Servicemember Consent provided Web 12/10/2015 Closed with explanation No No 1691260
520799 12/04/2015 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine On XXXX/XXXX/15 I received a letter from collection Agency to pay {$250.00} : CMRE Acct : XXXX The DEBT IS NOT MINE : I was billed wrongfully by Texas XXXX XXXX XXXX ( account # XXXX ) through the Agency " XXXX '' with account XXXX, last bill in amount {$250.00}. This bill was to be covered by XXXX XXXX, to whom they sent firstly the request, but on improper form, so did n't get paid. \n\nThis bill is from my account # XXXX ( on XXXX form only, on XXXX account it is only the numeric part ) and should be paid by XXXX billing only, though despite of my repeated contact with Customer Service of Agency " XXXX '', the bill was n't sent properly to Texas Dept. XXXX XXXX. XXXX 'XXXX XXXX. I received XXXX such bills from " XXXX '' - their billing service : First bill from The Texas XXXX XXXX XXXX on XXXX/XXXX/15 = {$300.00} ( XXXX XXXX and XXXX ) ; Second bill on XXXX/XXXX/2015 for the same service had XXXX ( XXXX XXXX XXXX ; The XXXX bill statement is from XXXX/XXXX/15, for the same service ( XXXX ), but with a different amount {$250.00}, due to new service was added ( from XXXX/XXXX/15 ) and I paid immediately my duty : {$1.00}. On XXXX/XXXX/15, I called Texas Dept. XXXX., and I submit FAX with bills from XXXX to XXXX XXXX Customer Service XXXX Claim # XXXX, confirming that XXXX XXXX has to pay my bills. On XXXX/XXXX/15, they requested to Texas XXXX to submit the appropriate forms, though Texas XXXX never sent their new bill form till today ( XXXX/XXXX/2015 ), when I contacted again XXXX ( phone XXXX ) about paying my bills. The Customer Agent called today Texas XXXX and asked again to submit appropriate form for getting money for my bills ( today claim= # XXXX. They again promised to send it, so I will XXXX in 2 weeks, but can be too late for my credit score tarnishing. \n Company chooses not to provide a public response CMRE Financial Services, Inc. TX 762XX Older American Consent provided Web 12/22/2015 Closed with explanation Yes No 1683741
521086 02/27/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine On XXXX XXXX, 2014 I called XXXX XXXX to have my service disconnected. I also received instructions on how and where to return their equipment. Over the next couple of months I continued to receive bills for service and their equipment. I called XXXX a couple of times to rectify the situation, but received basically no assistance from the reps to correct the problem. After a while I stopped receiving bills from XXXX and I assumed the matter was resolved. \n\nThis month I received a letter from FBCS Inc., which I have learned is a third party collection agency. I have responded to this company disputing the validity of this debt. \n\nAlso l have learned that this appears on my XXXX credit report as an open account and owing XXXX XXXX {$410.00}. The so called open debt is affecting my credit score. \n\nI am at a loss to understand how XXXX XXXX can arbitrarily attempt to ruin one 's credit rating because one of their customers decides that they no longer want to use their services \n Company believes it acted appropriately as authorized by contract or law Financial Business and Consumer Solutions. FL 322XX Older American Consent provided Web 02/27/2016 Closed with explanation Yes No 1807552
521368 02/23/2016 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine I am being sued in the District court of XXXX XXXX XXXX Arkansas By XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Case # XXXX. XXXX By Allen and Withro-XXXX They are saying there is a credit card taken out in my name ( XXXX XXXX ) I have NEVER taken out a major Bank CREDIT CARD!! .Something very important about this case is the following! FILED BY AND FOR FOR XXXX XXXX to the Court on XXXX XXXX XXXX. IN THE DISTRICT COURT OF XXXX XXXX XXXX, ARKANSAS -- XXXX XXXX XXXX XXXX XXXX XXXX -PLAINTIFF -- XXXX XXXX XXXX XXXX XXXX CASE NO. XXXX. COMPLAINT -- -- Comes the Plaintiff and for its cause of action against the Defendant, States ; 1. That the Plaintiff is a corporation authorized to bring this action under the XXXX. XXXX XXXX XXXX. 2. That the Defendant is a resident of XXXX XXXX, Arkansas. 3. Jurisdiction and Venue are proper in this Court. 4. That the Defendant purchased certain items with extensions of credit obtained on his/her XXXX account. THIS ACCOUNT WAS PURCHASED BY, AND ASSIGNED TO THE PLAINTIFF FOR GOOD AND VALUABLE CONSIDERATION. -- -5 THAT THE AMOUNT PAST DUE ON SAID ACCOUNT, WHICH has not been paid, and has been owed for a period of time is as follows, principle amount, {$10000.00}, plus pre-judgement interest as set out in Plaintiff 's Affidavit which is attached hereto and incorporated herein by reference. Arkansas State Law rules ARCP 10 ( d ) requires more than an " Affidavit of Account '' To be Attached to the Account!! Also they have admitted they bought this account! They are JUNKDEBTCOLLECTORS! They do not have the right to even collect this debt.They are a third party collection business.Which they ADMIT! They bought debts Banks have written off for pennys on the dollar. They are using manners that are against the Fair Debt Collection. Only filing an Affidavit! And there are stacks of these they are bogginng down the Courts with.I deny I owe this debt! We have NEVER taken out any major credit cards! And The only large loans we have ever had is for a car, or for a house loan. They are harassing me to death. My son who has XXXX has been answering their filings. He is now at a point his health is too bad to file anything more! Myself ( XXXX XXXX ) am XXXX.My wife is XXXX and suffers XXXX. This matter is causing extreme marital distress betwent the two of us! These Attorneys do not own this Debt. They have nothing to show they own the Debt. No credit card number. They are violating Federal trade commission rules. ( They are using false representation or Deceptive means to collect or or attempt.I filed with the Court on XXXX XXXX, XXXX a REQUEST FOR ADMISSIONS AND PRODUCTION ANSWERS AGAINST THE PLAINTIFF.I put at the bottom as they do! YOU ARE HEREBY NOTIFIED THAT SHOULD YOU fail to respond to said REQUEST FOR ADMISSION WITHIN THE THIRTY DAYS ALLOWED, Each of the manners contained herein shall be taken as admitted!! They did not answer any of this. So they admitted so!! .THAT WAS OVER A YEAR AGO!! -- -- -- -- -- -Then All of a sudden on XXXX/XXXX/XXXX over a year later they sent to me ( XXXX XXXX ) RE : XXXX XXXX XXXX XXXX : Please find the Plaintiffs Second Set of Interrogatories and requests for Production of Documents to Defendant. CASE NO XXXX XXXX DEFENDANT. They are asking for A Address of the bank and /or financial institution : B Account number ; C, Names of ALL persons who are signatories on the account along with addresses ; D. Type of Account : E. Date of Account opened ; F. Date of Account closed.Please provide bank statements, canceled checks.deposit slips on each account identified. Please sign the authorization which is a Notary Public. They are asking for my personal information when I have NEVER signed or taken out a credit card. All of this is illegal information for them to ask me for!! Company believes it acted appropriately as authorized by contract or law Allen & Withrow AR 721XX Older American Consent provided Web 02/23/2016 Closed with explanation Yes No 1799649
521546 11/05/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine NCC Business Services XXXX has re-initiated trying to collect a debt I do not owe. During XXXX I provided response to their collection attempts, and ultimately provided evidence to the XXXX credit reporting agencies XXXX and all XXXX credit reporting agencies found in my favor and determined that the debt collection was not valid. Now NCC is again trying to collect this same debt, about 1 year after I 've already had the credit reporting agencies dismiss this as an invalid debt and a debt that I do not owe. The company has harassed me and called me repeatedly, and yesterday XX/XX/XXXX even called my place of employment. I called them back and explained never to call me and to not call my place of employment. The representative was extremely rude and I had difficulty getting them to stop talking so that I could explain that this debt has already been proven invalid but they threatened to report it to the credit agencies again. I asked if I needed to contact the original place that levied this claim and they said no and that it had been " turned over '' to them. I have already proved I do not owe this money and now they are starting to harass me all over again. I have mailed in my credit reports showing the dismissal of this claim of debt to NCC as of this Monday XXXX XXXX ) so I did provide them written notice that I disagree and that the debt is not valid. I explained all of this on the phone but the representative was loud, would not listen to me, and said that no matter what that I owed this money and that I did n't know what I was talking about. He even said that since I work for XXXX he would n't try to tell me how XXXX works and so I should not try to tell him how debt collection works. I told him that he was not listening and that I would have to go ahead and hang up the phone since he would not listen to any rational or reasonable explanation that I was providing. \n Company chooses not to provide a public response NCC Business Services, Inc. AL 357XX Servicemember Consent provided Web 11/05/2015 Closed with explanation Yes No 1641286
521612 02/26/2016 Debt collection I do not know Communication tactics Frequent or repeated calls Started XXXX/XXXX/2016 at XXXX XXXX ( my caller ID on my phone showed that it was a XXXX NC call ) It was pre-recorded message on a man talking very loudly about 'settling your debt now. ' My mom answered the phone as I was n't home. I tried calling the number back, I heard what sounded like bongos being played and obviously someone picked up because I heard a wicked/evil type laugh, then I was hung up on. XXXX/XXXX/2016 at XXXX XXXX, I get a call, the same number and same caller ID information as from the last call-the man was caucasian and very loud on a prerecorded message saying 'this is your final opportunity to settle your debt at XXXX % off, press 1 now to speak to a representative. ' I pressed one, another recorded voice said to press 1 again, so I ended up pressing 11 ( I wanted to see for myself what kind of company or who they were trying to get ahold of, etc ) and it rang and then hung up. The strange/scary thing is, I DO NOT have any debt and no collection agency is after me. \n Company believes complaint is the result of an isolated error Element Global Services NC 283XX Servicemember Consent provided Web 03/01/2016 Closed with explanation Yes No 1806709
522120 12/15/2015 Debt collection Auto Cont'd attempts collect debt not owed Debt was paid I ca n't believe the horrible service I am receiving with USAA. I got an auto loan XX/XX/XXXX and it was paid off XX/XX/XXXX ( to make room on our debt ratio for a new home ). Up until that point, the loan was reported as paid as agreed with no lates. \n\nSuddenly when I paid off the loan, the loan was reported as having a 30 day late payment. To me, it is suspicious as to why that payment was never reported late before, but when I decide to pay off the loan, now it 's late? So I investigate further. After investigation, there was a payment in XXXX that was made to them, but never applied to the loan. The bank says they never received the payment. So, I find out that XXXX XXXX issued a cashier 's check to them on XX/XX/XXXX, but the check was never cashed. After further investigation, I find out that the check was delivered to them on XX/XX/XXXX via XXXX and delivered to the front desk. Their response, they never recieved the payment, so it is not a bank error - and they left the 30 day late payment on my credit report. This XXXX late payment caused my credit scores to drop XXXX points on XXXX bureau - XXXX points on another and I 'm still waiting on the last bureau to get this negative information. \n\nOn my credit report, I have no late payments and my other loans with USAA are always made on time. This XXXX missing payment is truly an anomoly. Instead of fixing their mistake, they continue to give me the run around. They tell me that they are researching it, but most likely it is n't a banking error. They tell me that even though they signed for it, it still is not their mistake. When I asked why, when I called to inquire about the late notices I was getting, they kept telling me that there was a small balance left over from the previous month, even though payment was made for more than the payment due amount. I was told to disregard the notices. \n\nMy question is if I have proof a payment was mailed to them, and signed/delivered to them by XXXX, how is this anything but a banking error? \n Company believes it acted appropriately as authorized by contract or law USAA Savings WA 982XX Servicemember Consent provided Web 12/15/2015 Closed with explanation Yes No 1698012
522326 01/05/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I received a letter from McCarthy , Burgess & Wolff, their reference number is XXXX. They are representing XXXX. I have never done business with that company. McCarthy, a debt collection company, claims that I owe XXXX I called them and told them that I did not do business with this company and that I will not pay this bill as I have never done business with XXXX. I continue to receive letters From McCarthy , Burgess & Wolff. Whom ever incurred this debt in my name is a criminal and the victim, XXXX, should file a police report in the proper jurisdiction. I am not responsible for this charge. \nRespectfully, XXXX \n Company believes it acted appropriately as authorized by contract or law McCarthy, Burgess & Wolff, Inc. CA 959XX Servicemember Consent provided Web 01/05/2016 Closed with explanation Yes No 1727679
522383 03/02/2016 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Frequent or repeated calls I received repeated phone calls to my cell phone IC Systems today I finally contacted a manager XXXX XXXX to stop blowing up my cell phone and demanded all communication only by mail be sent to me \n Company has responded to the consumer and the CFPB and chooses not to provide a public response I.C. System, Inc. WA 980XX Servicemember Consent provided Web 03/02/2016 Closed with explanation Yes No 1810799
522607 02/26/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I am being harassed by the CCS Companies, the phone number they are using to harass me is XXXX or XXXX of their many affiliates " SPOOF '' numbers. They have been calling me for the last 25 days, they are trying to collect a debt I do not owe. I am not the person they are looking for and I am not the person who owes the debt. \n\nThey call XXXX three times a day including Saturdays at all odd hours. Their actions are those of an omnipotent cartel with a national reach, trying to collect on a bad debts with a management philosophy that is ruthless, relentless and as determined as that XXXX ; with no regards to the innocent lives they destroy. I am tired of their unwarranted harassment and abuse. I am afraid to pick up the phone when they call because they can be very impolite and aggressive. I suspect they are trying to pressure me into paying a debt I do not owe. \n\nBelow I have listed the dates and the number of calls per day from their XXXX number : XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Call XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls XXXX XXXX Calls The above listed calls from XXXX does not include over XXXX " SPOOF '' numbers I suspect they have used to call me. \n Company can't verify or dispute the facts in the complaint CCS Financial Services, Inc. CA 917XX Older American Consent provided Web 03/02/2016 Closed with explanation Yes Yes 1806533
522763 02/24/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid Paid amount of {$81.00} as of XX/XX/2015 \n Company believes it acted appropriately as authorized by contract or law ERC GA 300XX Servicemember Consent provided Web 02/26/2016 Closed with non-monetary relief Yes No 1802714
522858 12/29/2015 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Talked to a third party about my debt I had an account with XXXX, XXXX. I closed the account in XXXX, and in XXXX I received a debt collection notice from a third party. After contacting the collection agency to officially dispute the debt I contacted XXXX. After speaking with multiple representatives I was informed that their policy on account closures is to -Obtain a new address -Inform the customer about the final bill -Ensure payment for the final bill amount. \n\nNone of those steps were followed. We moved, set up USPS mail forwarding to our new address, and continued with life. \nXXXX claims they have sent XXXX bills to our old address. None of them were forwarded. The collection agency sent the collections notice to our current address. \n\nA XXXX representative gave me the number to their collections department, which went to a different third-party agency than the one that sent me the collections notice. \n\nThe stance from XXXX is " We did everything wrong, can not provide you with a transcript of our conversations or a copy the recorded conversations with our representatives, so pay up. '' The collection agency does not respond to any written communication by me regarding the dispute or any resolution. I am currently seeking an attorney. \n Company believes it acted appropriately as authorized by contract or law The CMI Group, Inc. GA 302XX Servicemember Consent provided Web 12/29/2015 Closed with explanation Yes No 1719729
522900 02/13/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt was paid A review of my credit report shows an erroneous charge by XXXX of {$2300.00} ; for what I do not know. In 2011, I departed my rental unit with all rents paid. Now they seek an enormous sum of money for services I did not incur. They violate the Fair Debt Collection Act and the Consumer Protection Law. Their erroneous credit reporting has severely impacted my ability to live a normal life ; such as rent an apartment or purchase a car. \n Company can't verify or dispute the facts in the complaint National Credit Systems,Inc. WA 981XX Older American, Servicemember Consent provided Web 02/13/2016 Closed with explanation Yes No 1787102
523242 02/03/2016 Debt collection Mortgage Communication tactics Frequent or repeated calls My mortgage is running 30 days behind. I 've emailed asking someone to contact me to discuss a deferral of that one payment. I 've told them precisely the times I 'm available ( XXXX XXXX or XXXX XXXX ). " XXXX '' continues to call my cell phone, immediately followed by a call to my place of employment outside of those time slots and numerous times a week. This morning, XXXX XXXX, 2013, I paid my XX/XX/XXXX payment. Meaning my XX/XX/XXXX payment was due on XX/XX/XXXX. At XXXX XXXX, I received a " XXXX 's '' regular calls on both the cell and then office line. Her message was in a very nasty tone telling me that I needed to call her IMMEDIATELY. Why? At this point, I 'm 2 days late on my payment! I have now sent them a 3rd message through my online account making a complaint. But they seem to ignore this. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Wells Fargo & Company OH 430XX Servicemember Consent provided Web 02/03/2016 Closed with explanation Yes Yes 1772024
523385 12/29/2015 Debt collection Credit card False statements or representation Impersonated an attorney or official Different names used from XXXX calling repeatedly saying Law Firm named " XXXX '' declining to give address, being not Attorneys just a plain collection agency falsely advertising impersonating as '' Attorneys '' not identifying properly no City, no Office address no true name ( did XXXX, non existent ) .Threatened to sue Indicating falsely I committed a crime by not paying old 10 year debt. Attempting to collect wrong amount. \n Company chooses not to provide a public response Citibank TX 772XX Older American Consent provided Web 12/29/2015 Closed with explanation Yes No 1717644
523394 02/23/2016 Debt collection Credit card False statements or representation Attempted to collect wrong amount My credit card company sold my XXXX debts for XXXX and XXXX to a company called CACH , LLC. A few months ago I contacted this company to pay this debt and spoke to a representative who assured me that If I paid the balance in full they would remove the debt from my credit reports. I told them to give a day and I would have it for them. I called back the next day and spoke to a new representative who told me that they would not remove the XXXX debts from my credit report and then my balance owed changed to XXXX dollars total. when I explained that the balance was not correct and I was also assured that my debt was supposed to be removed upon full payment of both debts, and that I wanted to speak to a supervisor, she hung up on me. Since that time I have been consistently calling trying to take care of this debt and I have not been able to reach anyone since. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response SquareTwo Financial Corporation NV 895XX Servicemember Consent provided Web 02/23/2016 Closed with explanation Yes Yes 1797493
523419 12/30/2015 Debt collection Credit card Communication tactics Frequent or repeated calls THIS IS A NEW REPEAT COMPLAIN AS TODAY HAPPENED AGAIN- Ongoing ABUSE - A probably " fake '' Co hiding number address Name falsely representing as " attorneys '' continues to HARASS ME/our family calling threatening SUE if do not pay DOUBLE plus {$1000.00} more of an Old Credit Card Consumer Debt with Radio Shack ( currently Bankrupt ) debt from 2004 past 10 years delinquent, extortion call being done ( threat to sue, garnish my Bank Accounts everything, an ABUSE ). Co calls done from XXXX XXXX XXXX caller identified as " Supervisor '', said Co were " Attorneys '' called XXXX XXXX ( did Browse, NON-existent ) File XXXX \n Company chooses not to provide a public response Citibank TX 772XX Older American Consent provided Web 01/05/2016 Closed with explanation Yes No 1722693
523504 02/22/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I paid XXXX XXXX in full as they cancelled my account because we had a conversation and I found out someone fraudulent ly entered my account and tampered with my service. So the account was cancelled by them and I paid them only what I owed them {$21.00}. Professional Credit Service wanted another {$800.00} and I contacted them and disputed the entire account as I had paid XXXX XXXX in full. Then Professional Credit Service changed the amount to an additional {$80.00}. but I had already paid XXXX XXXX and the payment was accepted as the check was deposited. I disputed the collections on all XXXX credit bureau reports and they would not remove it. I do not owe them any monies! \n Company believes it acted appropriately as authorized by contract or law Ray Klein, Inc. NC 285XX Older American Consent provided Web 02/24/2016 Closed with non-monetary relief Yes No 1799017
523546 12/30/2015 Student loan Non-federal student loan Dealing with my lender or servicer Don't agree with fees charged My educational institution, XXXX XXXX XXXX XXXX XXXX XXXX, initiated my repayments in XXXX through UHEA ( XXXX ). At that time, I owed approximately XXXX, XXXX dollars. Through a deferment, inability to " communicate '' with XXXX, getting conflicting information from them when they would respond, there total lack of cooperation in providing statements and other loan specifics as well as my own ignorance in just refusing to deal with them or my loan for about 2 years, I have since paid approximately XXXX dollars to them and still owe them approximately XXXX, XXXX dollars. I am nearing retirement and do n't feel I can maintain these payments much longer as I will not have the money. It trying to work with them to settle the loan, I received but rude and degrading comments. I am at my wits end about it. \n Company chooses not to provide a public response Utah System of Higher Education MN 550XX Servicemember Consent provided Web 12/30/2015 Closed with explanation Yes No 1721424
523560 02/25/2016 Debt collection I do not know Communication tactics Frequent or repeated calls I receive, at a minimum, one phone call a day from the phone number XXXX, and when I answer it hangs up. After a quick search, I found out this number belongs to First National Collection Bureau out of Nevada. I do n't owe them anything, and repeated phone calls without anyone on the other end are unnerving and annoying. \n Company believes it acted appropriately as authorized by contract or law First National Collection Bureau, Inc. OK 731XX Servicemember Consent provided Web 02/25/2016 Closed with explanation Yes No 1804524
523804 02/23/2016 Debt collection Credit card Taking/threatening an illegal action Threatened to sue on too old debt Well Fargo has been trying to collect on a past debt which 9 years old & purporting that I made arrangements for payments and have not promised nothing ( I am on Social Security ) Under FDCPA you can not garnish under state & federal law - Now calling with threats of suing and XXXX XXXX has said that court documents were filed in XXXX XXXX, CA - Which is a bare face lie XXXX XXXX is violating FDCPA and attempting to collect on a debt beyond statue of limitations 2007 - A letter was sent multiple times Cease & Desist - However ignored request. Wells Fargo refuses to stop calling - Want to sue!! \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Wells Fargo & Company CA 922XX Older American Consent provided Web 02/23/2016 Closed with explanation Yes No 1800980
523839 02/18/2016 Debt collection Mortgage Taking/threatening an illegal action Seized/Attempted to seize property On XXXX XXXX, 2016 I appeared at an alleged creditor foreclosure hearing case number XXXX SP XXXX at the XXXX XXXX XXXX courthouse in front of an alleged assistant clerk named XXXX XXXX XXXX acting as a judge and whom is not an attorney nor a judge and was acting in and for a debt collector in violation of the FDCPA. I am a consumer under 1692a ( 3 ) and the creditor under 1692a ( 4 ) .The alleged assistant clerk knew or should have known what she was doing was illegal when she acted outside of her jurisdiction regarding a consumer transaction which was timely rescinded under federal law. The alleged assistant state court clerk allowed a debt collector 1692a ( 6 ) who was attempting to collect a personal, family and household debt 1692a ( 5 ) to be conducted in a creditor related non-judicial state court action in violation of the FDCPA 15 USC 1692i. The clerk threatened me stating she would call the bailiff into the room because I was objecting to statements made by a debt collector and because I asked if the court had given the debt collector prior written consent before they contacted me. The clerk was disrespectful to me by stating that I was to keep my mouth closed and only speak when spoken to ; and making statements that I should have gotten an attorney when I objected to my personal and private contracts being placed in the public record in violation of privacy laws. The assistant state court clerk additionally began advocating for the debt collector that an alleged debt was accelerated and I was given notice when I objected that I had not and asked for proof of delivery. For these reasons and the conduct and behavior stated above I am placing the complaint against XXXX XXXX XXXX with the Consumer Financial Protection Bureau. \n Company believes it acted appropriately as authorized by contract or law Nationstar Mortgage NC 284XX Servicemember Consent provided Web 02/22/2016 Closed with explanation Yes Yes 1791094
523864 11/09/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I was notified by my credit monitoring service that a collection account from Southwest Credit Systems in texas put a collection account on my credit. For the record I have never received any validation of this debt prior to this going on my credit report. I have resided at the same address for the past 2 years and still have a forwarding mail with the post office from my old address. I called the collection company to resolve this issue and the young lady told me that I had to pay this debt and she did not have to verify any information with me and wanted me to provide her with my information. I told her that by law she is to confirm with me my information and validate the debt with me before putting this on my credit report. She told me that the client was XXXX. I advised her that I do not owe any debt with XXXX and my account was a pay as you go account which I no longer have services from them for over a year now. I had many issues while I was with XXXX not just that XXXX system were breached and my personal information was leaked. I would like for this collection account to be removed immediately. THis is not my debt and do not feel that it is right that this collection company can just put this on my credit with out validating this with me. They did not send me anything in writing confirming that I owe this debt and advised that they can continue to call me and seek legal actions until this debt is paid. I am a XXXX veteran on a fixed income and need my credit to survived. Please help me. \n Company believes it acted appropriately as authorized by contract or law Southwest Credit Systems, L.P. FL 335XX Servicemember Consent provided Web 11/09/2015 Closed Yes No 1647107
523875 11/13/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine They keep calling for a debt that 's in my husbands name, that we wholeheartedly intend on paying but I asked them to stop calling and to put me on the DNC list. He said okay. Now they keep calling but not speaking. They call up to 3 times a day. \n Company can't verify or dispute the facts in the complaint Southwest Credit Systems, L.P. CA 907XX Servicemember Consent provided Web 11/13/2015 Closed No No 1654394
523920 12/29/2015 Debt collection Non-federal student loan Communication tactics Called after sent written cease of comm I sent a letter dated XXXX XXXX, 2015 to the most recent purchaser of the account, XXXX XXXX XXXX, to verify the debt and to cease and desist any phone calls to my personal or business lines. I revived email confirmation that my letter was received. I received a letter from Capital Management XXXX that they had received my request for debt verification for the account owned by XXXX XXXX XXXX, the letter included my request for no calls to my phone. It would be prudent to mention that I have since sent Capital Management XXXX XXXX other letters dated XXXX XXXX, 2015 and XXXX XXXX, 2015. \n\nI was informed my father received a call from a collections company looking for me on XXXX XXXX, 2015 but he could not verify the caller. He has since been informed to get the name of any collector that calls for me. However, I suspect it to be Capital Management XXXX. \n\nI received a call on XXXX XXXX, 2015 from XXXX. They identified themselves as Capital Management XXXX. \n Company believes it acted appropriately as authorized by contract or law Capital Management Services, LP CA 950XX Servicemember Consent provided Web 12/29/2015 Closed with explanation Yes No 1720389
524024 01/07/2016 Debt collection I do not know Communication tactics Frequent or repeated calls These people are calling me about a debt I never heard of. On top of that they say there is XXXX debt from 2007 and XXXX from earlier than that. XXXX past SOL, IF they were my debt to begin with. I want this company to cease and and all communication with me ASAP. \n Company chooses not to provide a public response Contract Callers, Inc. FL 330XX Older American Consent provided Web 01/07/2016 Closed Yes No 1732722
524279 01/09/2016 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Contacted me after I asked not to I recently purchased my Condo, and was living at XXXX XXXX. I gave my notice and informed them that I will be moving out and that the balance I would pay. I have emails where we came to a conclusion of amount and date that payment would be paid each month. I spoke with XXXX which is the manager at XXXX XXXX. She agreed verbally and through email. She stated that would be fine since I just purchased my Condo via VA Home Loan and was making sure my payments and anything that might go wrong would be taken care of. That is why I asked for payments. I know that I owe the debt but would need time to pay it off. XXXX inadvertently sent the file to Hunter and Warfield XXXX -- XXXX account number XXXX. I called them informed them it was a mistake, and that I had arrangements with XXXX XXXX to make monthly payments. They stated that XXXX just needed to call and have it rescinded. I called and spoke with XXXX, the Manager at XXXX and she informed me that Hunter and Warfield would n't release the file. I called Hunter and Warfield and explained to them that I refute this and is in dispute, please do not call me or contact me. My phone is a business phone and I can not receive calls. The lady said ok and hung up. I tried speaking with XXXX and she said there is nothing she can do. I informed her that the emails stated we had an arrangement and I am appalled how they could send it to collections. Hunter and Warfield has called my phone 2 times. I informed them that they are breaking the FDCPA regulations. I informed them that I will be filing a complaint against them. Afterwards when I called them back to confirm they are aware of me disputing this and filing a complaint the representative informed me that they cant speak with me and hung up on me. Since they state they have recorded lines and that they are following the FDCPA regulations, then they have broken not one, but 2 of the codes that protect me. I am very aware of my rights and they had no reason to contact me at work and demand payment when I informed them that I was disputing it. \n Company believes the complaint is the result of a misunderstanding Hunter Warfield, Inc. NV 891XX Servicemember Consent provided Web 01/09/2016 Closed with explanation Yes No 1734772
524406 03/06/2016 Debt collection Credit card Disclosure verification of debt Right to dispute notice not received over 7 years since last payment was made -- should be removed from my credit reports \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Citibank CT 062XX Older American Consent provided Web 03/06/2016 Closed with explanation Yes No 1816847
524480 01/03/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid In XXXX I had an over due electric bill of {$430.00}. I was incarcerated until XXXX. The billed was turned over to a collection agency. I was paroled XXXX/XXXX/XXXX. I went to have my electric turned back on and was informed I owed them {$430.00} for the past due bill. I paid the {$430.00} directly to the electric company so they would turn my electric back on. I checked my credit report in XXXX and found that the collection for the past due bill was on my credit report from a collection agency. I submitted a dispute via XXXX with experian. I got a letter from the collection agency about my dispute, they said it was a valid debt that I had to pay. What do I do now? \n Company believes it acted appropriately as authorized by contract or law Merchants and Professional Bureau, Inc. TX 786XX Older American Consent provided Web 01/06/2016 Closed with explanation Yes No 1726496
524495 01/05/2016 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine This debt was part of a business debt and not mine personally. The date the account was delinquent should be XXXX not XXXX and is over 7 years old. This is an attempt by a collection agency to keep the collection in force by changing the open date. \n Company chooses not to provide a public response U.S. Bancorp TX 750XX Older American Consent provided Web 01/05/2016 Closed with explanation Yes No 1728816
524514 12/16/2015 Debt collection I do not know Communication tactics Threatened to take legal action Twice an anonymous male-voiced computerized message has been left on our answering machine, the first time about a week ago ( XXXX/XXXX/2015 or XXXX/XXXX/2015 ) and again this morning ( XXXX/XXXX/2015 ) at XXXX. The voice does not give the name of the person intended to receive the message, and it identifies itself only as " Consumer Judgment. '' It says that the recipient should call an XXXX number as soon as possible to avoid further action. The number given to call is XXXX. We did not call this number. \n Company believes the complaint is the result of a misunderstanding Debt Management Holdings LLC TN 370XX Older American Consent provided Web 01/08/2016 Closed with explanation Yes No 1706515
524944 03/21/2016 Debt collection Medical Communication tactics Threatened to take legal action I have been working with accelerated receivables since XX/XX/XXXX. I set up payment arrangements and I would pay extra, possibly pay off if I had enough from my tax return. In XX/XX/XXXX they did not take their monthly payment, I attempted to call the rep dealing with my account ( alex ) but she never picked up or called me back. I would get random unknown XXXX number calls and when I would pick up I would be on hold with an automated system for 10-15 minutes and be disconnected. I gave up trying to figure out why they stopped making payment arrangements as I tried to contact them for weeks. On XXXX XXXX XXXX, XXXX called me from Accelerated Receivables and informed me my account was turned over to the legal department and she was now handling my account. I told her I tried getting back in touch but no one would call me back, she dismissed me and told me that if I did n't pay the balance in full or promise to set auto payments of XXXX a month to pay off in 10 months she was going to garnish my wages. I told her I could not afford this, I am the only one working and have XXXX kids and a house payment. She said that there was nothing she could do, I either did what she said or she would proceed to garnish my wages. I asked her to give me a day to figure things out. At this point I was panicking, I did n't know what to do. I called her 5 times that day to see about me making a lump sum payment to bring the balance down and smaller payment arrangements. She never called me back. I did n't hear back from her until I called another 3 times the next day. She finally called me back around XXXX. I let her know that I could not find a way to make this work and offered to make a large payment and small payment arrangements she said she could not do that, now that it is in the legal dept. I called her again on XXXX XXXX XXXX. I had to call through another rep who claimed to sit by her and asked him keep me on the line until she was available. When XXXX picked up I told her that the best I could do was {$900.00} that day and auto payments of {$150.00}. She was rude and said with a stern voice, " if you do not pay this off in 10 months we will garnish your wages, if you pay {$900.00} today it will bring your monthly payments to XXXX '' I tried to explain I felt this was unfair since I had been trying to get a hold of them since THEY stopped the payment arrangement, not me. She begun to talk over me and would n't let me finish my sentence. I told her I once again had to call her back. At this point I decided to do some research to see what I could do, I found out that I am able to go back to the original creditor and set up payments with them. I did speak with the hospital who agreed to set up {$150.00} payments a month and they informed the collection company that this was done, that it was n't working out with them to collect the payments. XXXX attempted to call me one time after this was done, I could n't answer since I was at work, she did not leave a message or call back since. I feel she was pressuring me and bullying me to get the account paid off before the end of the year. She threatened multiple times to take legal action to garnish my wages. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Accelerated Receivables Solutions NE 691XX Servicemember Consent provided Web 03/21/2016 Closed with explanation Yes Yes 1841292
524957 03/15/2016 Debt collection Medical Communication tactics Threatened to take legal action Central Financial Control has numerously told my mother from beginning that they wanted to be paid in full, my mother has sent monthly payments which they process but constantly tell her that they want full pay of debt or that they will ruin her credit or take her to court. My mother has increased payments explaining to them she cant afford to pay off debt in one installment to which this collection agency continues to threaten my mother with ruining her credit and or take her to court. They will not stop threatening her on phone calls or letters demanding full payment or a monthly amount my mother can not afford as she only works part time. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Tenet HealthCare Corporation OH 441XX Older American Consent provided Web 03/15/2016 Closed with explanation Yes No 1834158
525118 02/19/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Back in XXXX XXXX, I took a loan from a company called " Cashcall '', after a couple of months, they stopped taking payments and said nothing to me. I became concerned that a large payment may be coming so I called them and was told there was a problem with the way they took money, she also said my credit would n't be harmed and I would be contacted. I was n't contacted until now, letter dated XXXX/XXXX/XXXX, post marked XXXX/XXXX/XXXX. If it was n't legal then, why should I think it 's legal now. \n Company believes it acted appropriately as authorized by contract or law CashCall, Inc. NC 281XX Older American, Servicemember Consent provided Web 02/19/2016 Closed with explanation Yes No 1793540
525263 02/20/2016 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine JunkDebtCollector. Allan and XXXX XXXX XXXX XXXX Arkansas XXXX. XXXX XXXX XXXX XXXX, AR XXXX ( XXXX ) XXXX XXXX are suing us in court.In the District Court Of XXXX XXXX XXXX Arkansas XXXX Summons ( Notice of Lawsuit ) Case Number XXXX .XXXX Plaintiff. XXXX XXXX XXXX Defendant .All they filed with the Court was an Affidavit Of Account when first filed. XXXX Bank has written off the loan and Allan and Withro have bought the debt. They are a third party Collection business. They do not have the right to even collect this debt.They bought debts Banks have written off for penny 's on the dollar.And there are stacks of these they are bogging down the court with They are using manners that are against The Fair Debt Collection. Only filing an affidavit. They are harrassing us to death. Our son has XXXX and is having to try and file papers back for theirs filed. I his mother am XXXX and suffer XXXX, It is causing XXXX between my husband and i. These Attorneys do not own the debt. They have nothing to show they own the debt. No credit card number.They are violating Federal trade commission rules. ( They are using false representation or Deceptive means to collect or attempt .Our son filed with the court Interrogatories and request for production.All they sent to us was A lot of paper work supposedly from XXXX XXXX . No Credit card number. No signature of consumer. Lots of just Blank spaces.And an envelope for us to send them back what? At the bottom of their letter it says ~ This communication is from a debt collector and is an attempt to collect a debt. Any information will be used for that purpose.! They want us to give them information? They did not send any answers for the interrogatories! Request for Admission. State rules.ARCP 10 ( d ) requires more than an " Affidavit of account '' to be attached to the complaint. Under XXXX XXXX XXXX v XXXX, The Arkansas Supreme Court held that simply attaching an " Affidavit to Correctness of Account '' to a complaint constituted a Violation of Rule 10 ( d ) 2012 ARK. 460 In that case, the creditor attached to it 's comp ; aint a written affidavit alleged to be the instrument upon which the claim was based, ID. The Arkansas Supreme Court held that while the affidavit might serve as proof to establish the account, the Affidavit alone is insufficient to serve as an instrument or documentation upon which a claim is based in accordance with Ar.R Civ. Pro 10 ( d ). The Judge XXXX XXXX XXXX XXXX XXXX District Court. XXXX XXXX XXXX XXXX. XXXX. XXXX XXXX, Ar XXXX is over whelmed by the tons of paper work being filed by This JunkDebtCollectorWithro And Allan LLC. The paralegal asked not to have more than XXXX a day brought to her by the clerks because she can not handle more. They asked the judge for summary judgement. He did not sign it. We asked the Judge to give us more time to find a lawyer which we can not afford living on just social security. He refused. PLEASE HELP XXXX. If you can not help us please help us find someone here in Arkansas that can help Us. Please! Attorney XXXX XXXX is suing in Ark Supreme court against these JunkDebtBuyers for violating ; XXXX Rules. But he will not do anything else for a consumer. Does n't have the time. Ca n't afford an attorney. They charge a fortune. Is there any one who could help us? Because we are old people and I am XXXX? The XXXX XXXX is not going to close this case unless we have an attorney, or some one else to help us. And we are afraid our son is XXXX due to his XXXX. He can not do anymore work on this.He had legal aid help him due to his health condition.And his low income. They refuse to help us. Saying there is a conflict of interest?? I am abut to the point of doing away with my self. PLEASE HELP US. Answer us somehow? \n Company believes it acted appropriately as authorized by contract or law Allen & Withrow AR 721XX Older American Consent provided Web 02/20/2016 Closed with explanation Yes No 1796756
525467 02/17/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine The prior owner of our phone number allegedly has a debt with a company that calls us constantly even though we have informed them that we do not know that person and that they have the wrong number. They call several times a day even though they have promised to remove our number. They will stop for a few months then it starts up again. We have had this phone number now for seven years. \n Company can't verify or dispute the facts in the complaint Loan Science, LLC IL 612XX Servicemember Consent provided Web 02/22/2016 Closed with explanation Yes No 1791277
525657 04/19/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I cancelled my service with XXXX and paid by bill in full. They then switched names to XXXX, with whom I currently have service and have an impeccable payment record with. This bill continues to be sent to numerous collection agencies after I have already verified with XXXX that I do not owe them money and they have no record of the account number the collection agencies are giving me. The collection agency can not and will not verify the debt or provide any documentation that I owe this debt even after I told them that I verified it is not a valid debt and not mine. \n Company believes it acted appropriately as authorized by contract or law Stellar Recovery Inc. MN 554XX Servicemember Consent provided Web 04/19/2016 Closed with explanation Yes No 1887571
525738 03/25/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine In XXXX, XXXX, after pulling my credit file, there was a collection item on my XXXX report. The same collection item was reported on my XXXX report but they have since deleted it. XXXX refuses to delete saying that Southwest Credit System Account number XXXX has been verified as reported by the data furnisher. I have repeatedly contacted Southwest Credit Systems and they refer me over to XXXX ( who held the original debt ). The only thing I 've been able to establish to prove this account is not mine is that it was apparently tied to an address I lived at over 30 years ago with my ex-wife. From the XXXX through XXXX I lived in XXXX, MD with my second wife. Also, XXXX confirmed that this account was set up using a different SS number than mine. So my SS number does not match the account. The deliquency apparently happened in XXXX, XXXX. I have proof that I did not reside there. In trying to work with this company, XXXX and the credit bureau, and after sending several documents that prove my residence, they refuse to act on this error. I am next contacting my Congressional office ( XXXX XXXX XXXX but thought since I did n't get any resolution from the XXXX I would try once more through this process to have the actual reporting company investigate this matter and clear it up. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Southwest Credit Systems, L.P. FL 344XX Older American, Servicemember Consent provided Web 03/28/2016 Closed No No 1850212
525756 02/06/2016 Debt collection Mortgage False statements or representation Attempted to collect wrong amount While working in XXXX several years ago I stayed at an apartment complex called " XXXX ''. After fulfilling my lease obligations, I moved back to my home in XXXX were my family stayed during this two year long work assignment. I paid my last lease payment in full, professionally cleaned the apartment and did not think anything else was owed. A month later I went to the apartment complex and turned in my gate pass which I accidentally took with me and took to the day manager, we were friends. At that time there was no information shared on any money owed from my lease and I did n't expect there would be any. I received regular email correspondence from the XXXX complex about social activities and nothing about money owed. Over a year later I started getting collection attempts from National Credits Systems over {$210.00} owed from XXXX XXXX. I called XXXX to find out what was going on but apparently the apartment complex was sold to XXXX XXXX in XXXX and while they had a statement showing {$210.00} was never paid, nobody could answer what some of the charges were far. Nobody was able to help me since they sent the balance due to National Credit Systems. At one point when I was speaking with the collection agency, I identified some items that I may have paid if had known about it but other charges were still not identifiable. I told NCS that I would agree to pay this amount if they would remove the negative remark from my credit score but the agent said she could not. Known of this was my fault yet my credit is penalized for a mistake that the apartment complex made and then correcting this is impossible because it was sold to a residential management business. A consumer should never have to pay for something that they do not owe and to be penalized for this {$210.00} does more to protect business than protect consumers. The burden of proof that all attempts to contact the consumer who is alleged to have not paid for something owed should be on the business. I was not called nor did I get any communication on the amount owed in my email account. I did not leave a forwarding address because I did not want " junk '' mail to follow me home. Too much already. How do I get National Credit Systems to remove this record from my account. \n Company disputes the facts presented in the complaint National Credit Systems,Inc. MO 636XX Servicemember Consent provided Web 02/10/2016 Closed with explanation Yes No 1776324
525937 03/10/2016 Debt collection Mortgage Taking/threatening an illegal action Seized/Attempted to seize property I am a divorcee who had ( XXXX ) XX/XX/XXXX XXXX Predatory Lending loans. \nI have a trustee sale date of XXXX/XXXX/XXXX, but I can prove I am not in the trust that is moving against me. SPS ' response to my debt validation request was to say that XXXX as trustee for a securitized trust " owns '' the notes, but my loans are NOT in that trust. I have asked that they at least postpone the sale until they have provided information in response to my concerns. \nSPS, insists that the sale will occur on XXXX/XXXX/XXXX regardless of my claims. \nTheir are many issues associated with the standing issue. None of the actions taken against me would have been by the correct party, the Notice of Default, the recording of assignments would all be invalid. \nLegal documents that were used against me relating to bank standing were altered. The copies of notes used to prove bank standing had undated indorsements in blank. In XX/XX/XXXX in response to a QWR, XXXX sent copies of these notes stamped " Certified Copy of Original Document '' which have no indorsements. \nThere are also several serious servicing issues with XXXX and then SPS who was substituted in as servicer for XXXX. When the servicing was moved from XXXX I was in underwriting, at the very end of a modification for both properties. SPS refused to continue the modification that was in underwriting at XXXX. \nSPS has violated many servicing regulations, including Single Point of Contact, Dual Tracking, and the requirement to offer foreclosure alternative solutions in good faith. They send letters saying that those opportunities are available, but SPS has blocked every attempt I have made for a foreclosure alternative. Since they stopped the modification I had in underwriting at XXXX, I have not had the opportunity to utilize any foreclosure alternative. Many servicers are intentionally deceiving and misleading both the borrower and the regulatory agencies, pretending to follow servicing guidelines and requirements, when they are actually trying to sell the property. SPS said they had opened a short sale and I would have four months to list the property and find a buyer. They kept putting me off when I called and then said they could n't open the program because I did n't have a listing. I got a listing which was emailed to them. They emailed confirmation of receipt and said they would respond in writing. They did n't. Then they told me that they had closed out the short sale program because I did n't have " an offer in hand! '' This entire time, they refused to send me any confirmation in writing that I was actually in the short sale program and continued efforts to sell the property at trustee sale. When I told them they were dual tracking, they said that technically they were n't because " they had never actually approved the program. '' This is commonly done. I know that I am one of many borrowers who have met with these same experiences. \nPlease look into this situation and, if possible, pressure SPS to stop the sale until all issues have been addressed. \nThank you. \n Company believes it acted appropriately as authorized by contract or law Select Portfolio Servicing, Inc CA 934XX Older American Consent provided Web 03/14/2016 Closed with explanation Yes Yes 1827157
526205 04/06/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid This is a continuing problem with XXXX XXXX since XXXX. I had XXXX cell phones with them. XXXX of them I used myself and the other was shut off by me and my granddaughter played with it. The contract with XXXX expired In XXXX, XXXX so I contracted with XXXX XXXX XXXX for a new cell phone service. Ever since this I have been CONSTANTLY harassed by XXXX and various collection agencies and the amount has increased to over {$610.00} supposedly owed them from an original {$150.00} charge. I have all the appropriate paperwork to back this. Today ( XXXX/XXXX/XXXX ) I received a very nasty phone call from Diversified Adjustment Company by a man who called himself XXXX. He was very rude from the start demanding to know where I lived, what my previous address was. I demanded to know who he was and what he wanted. He finally admitted it was a collection agency and was collecting on a debt to XXXX XXXX. I told him that i will not pay any XXXX bill that it is not due for any reason after all this time. I told him that I had talked to my attorney and he demanded to call my attorney and I refused to give him the attorney 's name or phone number. The phone number he called from was XXXX. \nI am more than fed up with these collecting agencies calling me and I want the FTC to do something to protect my rights under the Federal Fair Debt Collection Act. I think that collection agencies such as Diversified Adjustments should not only be fined but put out of business. It is harassment to the first degree to be constantly contacting me by phone or mail. I told this XXXX NEVER to call me again. I would appreciate you filing a formal complaint on this as soon as possible. \n Company believes it acted appropriately as authorized by contract or law Diversified Adjustment Service, Inc. NY 147XX Servicemember Consent provided Web 04/06/2016 Closed with explanation Yes Yes 1867876
526384 04/13/2016 Debt collection Credit card False statements or representation Attempted to collect wrong amount XXXX XXXX does not know JH Portfolio Debt Equities. \nThis is fraudlent account. My documents were stolen in 2009. \nThis dates back to when my documents were stolen. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response JH Portfolio Debt Equities, LLC FL 339XX Older American, Servicemember Consent provided Web 04/13/2016 Closed with explanation Yes No 1878512
526560 03/23/2016 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt XXXX XXXX, I REC'VD A XXXX FROM XXXX XXXX XXXX OF XXXX, MN ... CALLED THE XXXX # ON THE FORM, WAS TRANSFERRED TO A XXXX LAW WHERE I WAS TOLD IT WAS AN OLD DEBT FROM XXXX, LAST ACTIVITY WAS IN XXXX, BANK OF AMERICA WAS THE ORIGINATOR, WAS SOLD TO DIFFERENT CREDIT AGENCIES OVER THE YEARS AND THAT XXXX WANTED TO GET IT OFF THEIR BOOKS SO THE XXXX WAS ISSUED \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Bank of America NY 125XX Servicemember Consent provided Web 03/23/2016 Closed with explanation Yes No 1845591
526669 04/01/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I get calls from some collection agency which refuses to identify itself asking for someone with a similar name to mind. I refused to give my Social Security Number and the address they gave me was not mine. When I asked for the name of the company and how they got my phone number they refused to respond. They eventually put me ion hold and never returned. I recently had similar problems which was reported to the XXXX credit bureau agencies and is on record. Their phone number is XXXX They gave me XXXX different names for their company. Please make sure they do not make any false reports to XXXX parties and investigate their practices. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response FAIR COLLECTIONS & OUTSOURCING, INC. NV 891XX Older American, Servicemember Consent provided Web 04/07/2016 Closed with explanation Yes No 1857883
526738 04/14/2016 Debt collection Credit card Cont'd attempts collect debt not owed Debt resulted from identity theft On XXXX/XXXX/2016, an unknown Phone # XXXX XXXX called me twice saying : " I have the last XXXX digits of your Social Sec. #, what is your Social Sec. #? '' I said : I do not know who you are! I do NOT give my social Sec. # to NO one! '' OnXX/XX/XXXX, XXXX informed me : " You have an account in collections ... '' Apparently, J H Portfolio Debt Equity claims " You are in debt of {$16000.00}, account openedXX/XX/XXXX '' I do not know J H Portfolio Debt Equity. I do not owe {$16000.00}! XXXX/XXXX/16, I received a letter from XXXX : " Your account # XXXX ... .has an invalid or missing Tax Id # ... Please provide your tax id #. '' I do NOT owe XXXX XXXX any money. I will not provide XXXX XXXX my id #!. These are fraud, scams attempts. My credit scores were lowered with XXXX, and XXXX XXXX credit bureaus. Please help! Thanks! \n Company has responded to the consumer and the CFPB and chooses not to provide a public response JH Portfolio Debt Equities, LLC FL 339XX Older American, Servicemember Consent provided Web 04/18/2016 Closed with explanation Yes No 1880648
526874 04/10/2016 Debt collection Auto False statements or representation Attempted to collect wrong amount XXXX XXXX I, XXXX XXXX, was co-signer on an auto loan with XXXX XXXX in XXXX XXXX TN, terms spanning 48 mo., 24 % APR & mo. payments of {$430.00} through Credit Acceptance , Corp. ( CA herein ). First major delinquency was XX/XX/XXXX due to loss of employment & the balance due according to XXXX credit bureaus is {$3600.00}, but balance due as reported by CA {$3500.00}. The XXXX value of the repo 'd SUV for dealer trade in TODAY is {$1200.00} & SUV was repo 'd in XX/XX/XXXX. I did n't receive notice of the sale of the vehicle, but was furnished a copy of what CA claimed to have sent me regarding resale. No deficiency balance ever noted!!! A couple years went by with no correspondence from CA until XXXX/XXXX/XXXX when the sheriff delivered me a final judgment, entered by default as of XXXX/XXXX/XXXX. Upon receiving this, I called XXXX, XXXX XXXX XXXX, XXXX ( XXXX herein ) who identified themselves as debt collectors for CA saying the balance due as of judgment is now {$6900.00} & to call for payment arrangements. I was confused and skeptical, as I had already paid roughly {$20000.00} on the contract & there was no record of a deficiency balance applied. \nAfter researching more on my own, as circumstantially I could not afford legal advisory, on XXXX/XXXX/XXXX I sent a request via certified mail usps to XXXX for a complete debt validation to include all info in my file, the original contract & a full accounting of all transactions. In response to my request on XXXX/XXXX/XXXX, I only received a general response & a copy of the final judgment, no debt validation & no account of the proceeds, deficiency balance or how the sale was processed & there are NO DOCUMENTED PROCEEDS from the deficiency balance towards what is owed, EVER. I was hesitant to make pymnt arrangements in fear of validating the debt, but when I called the courthouse to verify the judgment, it was on file as a legally binding document. As of XX/XX/XXXX, CA has reported the account status with all XXXX credit bureaus with the delinquencies and repossession noted, but never once was a judgment or public notice recorded & said account has been closed as of XX/XX/XXXX, to be scheduled for removal by XX/XX/XXXX. All XXXX credit bureaus reported the same data. Something was n't right & I had read hundreds of complaints via internet regarding unfair & illegal practices by CA. \nOn XXXX/XXXX/XXXX I hesitantly made the first payment of 9 for the {$75.00} arrangement agreement to XXXX from my XXXX checking and have the records. The most recent payment cleared XXXX/XXXX/XXXX. Within that time period, I 've only received XXXX notices from XXXX, the most recent dated XXXX/XXXX/XXXX, stating the amount due was {$7400.00} & that their " client has informed them of a special opportunity to fully satisfy this debt by payment of a significantly reduced amount ''. No other forms of correspondence attempted. Last Thursday, XXXX/XXXX/XXXX, I went to use my debit card and it was declined even though I had over {$1700.00} in my account & had just deposited my payroll. XXXX bank informed me that my account was levied by CA & without any prior notice from my bank or CA. The telephone # I was given sends me to a TN county clerk & that is all the contact info provided. I still have yet to receive any notice from my bank or XXXX or CA regarding the levy & questioning if all this is legal practice. I 've heard of CA judgments being vacated after entered due to CA filing fraudulent affidavits with the courts. When I calculate the amount due under the terms by CA in the judgment, I get completely different amounts and I think they are suing for interest on attorney fees, other interest charges and there are credits of {$0.00} for deficiency and resale of SUV? I definitely can not afford a lawyer now & thinking this is a fraudulent attempt to collect before the SOL is up because the judgment is fraud. Can they take all of my payroll check deposited just before too? I am asking for help with the legalities of this please \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Credit Acceptance Corporation TN 372XX Servicemember Consent provided Web 04/10/2016 Closed with explanation Yes No 1872478
527007 01/13/2016 Payday loan Payday loan Received a loan I didn't apply for Received a loan I didn't apply for I received two e-mails and a text message from cashnetusa.com saying their check was returned by my bank do to insufficient details. It was in reference to a loan I supposedly applied for.They asked that I submit my personal bank information and fax them a voided check. I NEVER applied for any loan from this business. I do n't know what they 're talking about. I was the victim of identity theft in 2012. It may be that someone is trying to obtain funds under my name or this business is trying to solicit my personal information in a dubious manner. \n Company disputes the facts presented in the complaint Enova International, Inc. WI 535XX Older American, Servicemember Consent provided Web 02/09/2016 Closed with explanation Yes No 1742020
527257 02/18/2016 Debt collection Credit card Improper contact or sharing of info Contacted employer after asked not to I asked XXXX XXXX XXXX XXXX XXXX to not call me during work hours at my work phone number as I can not use work hours or work equipment for anything non-work related during work hours. They have persisted with their calls to my place of employment. The person calling is named XXXX XXXX. They say they are calling about Bank of America but are not Bank of America themselves. \n Company chooses not to provide a public response Bank of America MN 554XX Servicemember Consent provided Web 02/18/2016 Closed with explanation Yes No 1794540
527396 03/28/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt was paid To Whom It May Concern : Again we write in regard to unauthorized communications dated XXXX XXXX, 2016 and XXXX XXXX, 2016 received from SPS - Select Portfolio Servicing ( attached ). \n\nPlease be advised that there is no debt owed to SPS or obligation incurred by the Complainant to SPS. SPS has made up an account is fictitious and fraudulent. SPS has failed to validate any debt as previously demanded by addressees. SPS has admitted to Complainant that SPS has misrepresented an alleged debt. SPS, its successors and/or assigns have no authority to act in any capacity in this matter. \n\nWe do not and will not engage in the establishment of escrow activity of any nature, which SPS seeks to initiate. \n\nBe advised that all legal and relevant property bills have been paid and will be taken care at all times by the Complainant in contract with direct vendors only. \n\n\n\nBY : XXXX XXXX XXXX Cc : Consumer Financial Protection Bureau \n Company believes it acted appropriately as authorized by contract or law Select Portfolio Servicing, Inc NY 105XX Older American Consent provided Web 03/28/2016 Closed with explanation Yes Yes 1853425
527516 02/14/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt resulted from identity theft I am a victim of identity theft has never wrote a check anywhere in Illinois, but I have representatives from Global Payments Check Recovery Services , Inc., calling and harassing me about a debt, I do not owe. Someone has stole my identity. \n Company believes it acted appropriately as authorized by contract or law Global Payments Check Services, Inc. MN 554XX Servicemember Consent provided Web 02/14/2016 Closed Yes No 1787280
527682 03/25/2016 Debt collection Other (i.e. phone, health club, etc.) Taking/threatening an illegal action Sued w/o proper notification of suit I obtained a non-secured loan from XXXX in XXXX after being forced shaped out of the XXXX XXXX. I was unemployed for 9 months and had to relocate XXXX but was paying $ XXXX/month on the debt. The loan was sent to Atlantic Credit and Financial where I continued to pay $ XXXX/month due to extended unemployment. In XXXX XXXX, while checking my credit report, I noticed that the debt was now a judgement. I had never been notified of potential legal action. I NEVER received any type of notification from Atlantic Credit ( or the law office ) informing me of the judgment. I NEVER received any type of documents from the XXXX XXXX XXXX allowing me the opportunity to respond to the claim. I DO NOT deny the debt. The debt is my debt ; however, I dispute the fact that it was placed as a judgment especially since I was paying as agreed. I am a Veteran of the XXXX XXXX XXXX and have endured many obstacles in the last few years and was just starting to recover until the judgement was placed on my credit report. Again, I am responsible for the debt ; however, I do not agree with the debt being placed as a judgement and I believe that I did not receive my consumer rights to respond prior to the debt being placed in judgement. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Atlantic Credit & Finance, Inc. GA 309XX Servicemember Consent provided Web 03/25/2016 Closed with explanation Yes No 1851055
527906 03/17/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid Over the past six months, I have received three telephone calls from National Recovery Agency, claiming I owe {$20.00} to XXXX, dating back to XX/XX/XXXX. Each time, I have requested a printed information as to the debt, which I would be happy to pay, if indeed I owe the {$20.00}. The NRA file # is XXXX. For one brief period, I did receive medication from XXXX XXXX, and during that time the company had my credit card on file. Subsequently, my insurer changed my prescription supplier to XXXX XXXX. As a result of the NRA calls, I contacted XXXX XXXX, which was quite helpful, and it went back through its records until XX/XX/XXXX, and could find no evidence that I owed the company anything. I do not know what to do. I am being harassed over a {$20.00} debt, which apparently I do not owe, and NRA will not ( as required by law ) provide me with a copy of the evidence of the debt. As an individual with a XXXX XXXX, for which XXXX XXXX briefly provided medication, this is not very good. I am not supposed to be getting stressed. Help! \n Company believes it acted appropriately as authorized by contract or law NRA Group, LLC CA 916XX Older American Consent provided Web 03/22/2016 Closed with explanation Yes Yes 1837047
528530 04/09/2016 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect I got an loan from Advance Financial based in XXXX, TN. And I am inquiring if they can continue to charge me this outrageous percentage to pay them back. I told them I was in the military ( in the XXXX XXXX ) but they said I was fine and continued with the loan. \n Company believes it acted appropriately as authorized by contract or law Harpeth Financial Services, LLC TN 370XX Servicemember Consent provided Web 04/09/2016 Closed with explanation No No 1872245
529150 02/08/2016 Debt collection Mortgage False statements or representation Attempted to collect wrong amount See prior cfbp case # XXXX. Dyck-O'Neal, Inc. initially attempted to collect debt from me based on stolen identity. I submitted a Federal Trade Commission Identity Theft Victim 's Complaint and Affidavit, signed in front of a XXXX County, Maryland police officer. In cfbp case # XXXX, XXXX Inc. agreed that I was the victim of identity theft and agreed to delete its trade line from my credit file. BUT, within days of receiving the resolution to cfbp case # XXXX, XXXX, Inc. issued me an IRS Form XXXX ( Cancellation of Debt ) for {$210000.00}. Since I was the victim of identity theft, XXXX, Inc. has NOT forgiven any debt of mine and I believe it filed the IRS Form XXXX in a blatant attempt to penalize / harm me for bringing my concerns to the CFPB. \n Company chooses not to provide a public response Dyck-O'Neal, Inc. MD 212XX Older American Consent provided Web 02/08/2016 Closed with explanation Yes No 1777100
529261 12/28/2015 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect I was issued a payday loan with Advance America, of {$1000.00} with the APR of 137.37 % and a Finance Charge of {$130.00}. I have had a loan with AA off and on since XX/XX/XXXX. For the past few months when I would re-loan, I would inquire if there was any arrangements that I could make with them due to my being financially incapable of continuing the payday nightmare, I was reassured each time that nothing was available and the only option I had was to just pay the loan as agreed. During XX/XX/XXXX, when paying at the time XXXX or XXXX payday loans became utterly impossible, I begin to read the customer agreement statements to investigate if I could find other lawful options that would assist me in paying the overwhelming debt. I noticed that Advance America was licensed under the " Small Loan Act '' which meant that under the SLA in Ohio a Customer is only allotted a max of {$500.00} ( according to research information ), however, my loan was for over {$1000.00} and/or a customer could not be charged over XXXX % of their income, in which both of these laws were not being enforced, if in fact this was true. I attempted to pay this loan in full, however, financial difficulties made it impossible. At this point I have been working with a Government appointed Financial Coach from CFPB put in place to assist Military Veterans with Financial dilemmas, we are reviewing what my options are as of XX/XX/XXXX. My loan is in default and will remain as such until a reasonable solution is reached. \n Company believes it acted appropriately as authorized by contract or law Advance America, Cash Advance Centers, Inc. OH 441XX Servicemember Consent provided Web 12/28/2015 Closed with explanation Yes No 1718420
529312 02/07/2016 Debt collection Medical Disclosure verification of debt Not disclosed as an attempt to collect was never notified of this debt ... .had services at XXXX with financial help from hospital XXXX XXXX XXXX thru social worker payments were made by med assist went to clinic because of no income. \n Company believes it acted appropriately as authorized by contract or law GLA Collection Company, Inc. OH 452XX Older American Consent provided Web 02/08/2016 Closed with explanation Yes No 1776590
529507 01/22/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine My father had work done on his home for an insurance issue of black mold. The mold was not taken care of and my father has decided to let the house go into forclosure. My mother who has been divorced from him for over 10 years and never lived in that home, myself and my brother in law ( because he has the same name ) has been contacted numerous times. The last time I told them it was n't my debt and my father has no plans to pay they can file the lien against the house for the debt the man XXXX was screaming at me, harassing me and telling me things like " pay your debt and what do you work at XXXX XXXX '' when I told him to stop calling or I would contact a lawyer. This is not my debt and having them contact everyone who has been remotely connected to my father is being contacted. I do not have power of attorney, have no access to my fathers money and told them this only to be screamed at and belittled. My father is XXXX and has no assets, so as I said I do n't plan to pay this which I explained. \n Company can't verify or dispute the facts in the complaint Nelson Cruz & Associates LLC MI 483XX Servicemember Consent provided Web 02/12/2016 Closed No No 1752230
530060 02/10/2016 Debt collection Medical False statements or representation Attempted to collect wrong amount XXXX XXXX failed to correctly file medical bill with XXXX. Filed with XXXX in wrong name. Account was sent to a collection agency Receivables Management Systems. I made calls to XXXX XXXX and learned they had not put my name as it appears on my XXXX card and XXXX would not pay the bill. Consequently, due to XXXX not paying our other XXXX insurances rejected the claim as well. \n\nWe have XXXX and XXXX. However, if XXXX denies a claim for any reason it is rejected by the secondary and third insurance. \n\nI have also learned even though I spoke to XXXX XXXX in XXXX, XXXX, the file was not resubmitted until XXXX XXXX. This caused the Receivables Management Systems to continue to carry the bill as a collections. \n\nI spoke to XXXX at Receivables Management Systems before the account was added to my credit file and let her know that the bill had not been properly submitted for payment. She said she would wait to hear back from XXXX XXXX. But the account was still placed in collections and sent to the credit bureau. \n Company chooses not to provide a public response Io, Inc. VA 224XX Servicemember Consent provided Web 02/10/2016 Closed with explanation Yes No 1781219
530109 03/23/2016 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Talked to a third party about my debt XXXX XXXX XXXX XXXX turned over a {$35.00} final bill to Credence Resource Management LLC, Phone Number XXXX without sending me any notice of intent to send to collection. I am not disputing the fact that I owed the {$35.00} which has been paid to XXXX XXXX XXXX. My complaint is the improper contact and sharing information with someone else by Credence Resource Management LLC. They sent a letter to my son in another city, never mailed me a letter to my address that was provided to them by XXXX XXXX XXXX. My son called Credence Resource Management LLC. and they discussed the collection matter with him and told him they got his address by doing a skip trace, found his address and sent the letter to his address. Credence Resource Management LLC confirmed to my son that they had my address on file. but did not send the letter to me. I contacted Credence Resource Management LLC. spoke with a supervisor who identified himself as XXXX. He confirmed that the letter was sent to my son at his address and not sent to the address provided by XXXX XXXX XXXX which is my address.. I feel that my privacy has been violated. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Credence Resource Management, LLC TN 384XX Servicemember Consent provided Web 03/24/2016 Closed with non-monetary relief Yes Yes 1846919
530501 02/01/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I advised Penn Credit Corporation ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. \nXXXX, PA XXXX XXXX XXXX XXXX XXXX I do not owe any debts. I also advised them I am on the do not call list. They promptly ignore me and challenged me to report them to the FTC/CFPB. They say that my reporting on them will accomplish nothing and they will continue to call my XXXX numbers. XXXX and XXXX. They are now using spoofed numbers with a XXXX area code in addition to the XXXX XXXX numbers they harass you with. \n Company believes it acted appropriately as authorized by contract or law Penn Credit Corporation VA 234XX Servicemember Consent provided Web 02/01/2016 Closed with explanation Yes No 1767005
530654 04/15/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine On XXXX/XXXX/2016 I was contacted at phone number XXXX, by Penn Credit, looking for a person named XXXX XXXX. I advised XXXX XXXX that I never heard of XXXX XXXX and that Penn Credit has the wrong phone number for that person. This is the second phone call from Penn Credit looking for XXXX XXXX. On XXXX/XXXX/2016, Penn Credit was previously advised that they have the wrong phone number for XXXX XXXX and to please stop calling XXXX. Please advise Penn Credit to stop calling my home and to update their records, Thank you \n Company believes it acted appropriately as authorized by contract or law Penn Credit Corporation NJ 070XX Older American Consent provided Web 04/15/2016 Closed with explanation Yes No 1881804
530966 03/16/2016 Debt collection Medical Communication tactics Frequent or repeated calls I made a fair and totally compensation offer to the original debtor They choose to turn over to collection. I have documentation and an credit card authorization they choose not to charge. It seems like a XXXX business decision to me. I agreed to pay the FULL amount. I WILL NOT deal with this collection agency -- -period. I do not believe they have the whole story or documentation. I want to cease and decease calling me. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response I.C. System, Inc. TX 775XX Older American, Servicemember Consent provided Web 03/16/2016 Closed with explanation Yes No 1834429
531337 04/01/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I ordered XXXX XXXX service early XXXX XXXX. A technician came out to connect the service on XXXX/XXXX/XXXX. I was not satisfied with the service, canceled the service and returned the cable box & modem on XXXX/XXXX/XXXX. I was told since I did not have service for more than 30 days, I would not have a bill. XXXX is pursuing me for a debt for unpaid charges and/or failing to return equipment. I have a receipt from XXXX date stamped XXXX/XXXX/XXXX XXXX for equipment returned. I have reached out to XXXX to resolve this issue as soon as I received a collection notice. On XXXX/XXXX/XXXX I was assured this bill was in error and would be taken care of. It is now XXXX/XXXX/XXXX and I am being threatened with negative reporting to my credit report for a debt I do not owe. I have informed XXXX I would be reaching out to you for resolution since they are refusing to honor their end of the deal. Also I have faxed a letter of dispute to the Credit Collection Service explaining the same as above. I have mailed a copy of the equipment returned receipt to the XXXX XXXX XXXX in XXXX, MI. Since I live in Oregon I do not have the pleasure of walking the receipt into a XXXX location. \n Company believes the complaint is the result of a misunderstanding CCS Financial Services, Inc. OR 974XX Servicemember Consent provided Web 04/01/2016 Closed with explanation Yes No 1860585
531828 02/22/2016 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received XXXX provided the worst Cable TV, Internet and Telephone Services we had ever had. We called repeatedly to find out why we could not cancel services on line. To learn we could not. So we called and called to cancel via telephone. The answer XXXX gave was they were experiencing high call volume at the time and he would have to call me back to cancel the services and pick up the equipment. XXXX never called back. \n\nAgain, I repeatedly called after getting the new service provider, to have the equipment picked up, it literally took more than a month. I explained I would not pay any charges that would be billed as a result of them not cancelling the services when I initially called to cancel and have their equipment picked up. \n\nNow receiving bills from collection agency ( Stellar Recovery , Inc. ) for {$95.00}. Which I have no idea as XXXX has not billed me for any charges. \n Company believes it acted appropriately as authorized by contract or law Stellar Recovery Inc. VA 224XX Servicemember Consent provided Web 02/22/2016 Closed with explanation Yes No 1797836
531977 03/18/2016 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount The amount of the debt was extremely escalated. When I asked them to show me proof of the additional amount, they were not able to. I attempted to pay what my lease states that I owe and they completely ignored me. \nThe debt in question is a result of normal wear and tear from living in an apartment. Also, there was prior damage when I signed my lease. \nI sent certified letters to all parties trying to resolve this issue. All parties ignored me. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response FAIR COLLECTIONS & OUTSOURCING, INC. GA 303XX Servicemember Consent provided Web 03/21/2016 Closed with explanation Yes No 1839464
532569 02/16/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I am protesting and feel I am not responsible for advertising with YP simply because the fine print on an original contract stated I must cancel business with them prior to the anniversary date of original contract. I have no way of remembering anniversary dates on such transactions and the original sales person did not alert me to that stipulation in the contract years ago. \n Company believes it acted appropriately as authorized by contract or law McCarthy, Burgess & Wolff, Inc. CA 959XX Older American Consent provided Web 02/19/2016 Closed with explanation Yes No 1789110
532751 02/17/2016 Debt collection Credit card Disclosure verification of debt Right to dispute notice not received I became behind on my Military Star Card when my XXXX got XXXX from the military and I lost my job due to being laid off in XXXX XXXX. I was notified after filing my taxes in XXXX XXXX that they would be taking all XXXX of my federal tax refund dollars. After contacting the Treasury office, they told me that the only people who can stop this is the creditor themselves. I reached out to the creditor twice trying to make arrangements as well as file for a hardship. They insisted that they could n't help or withdraw the information from the debt until its paid. Basically telling me they can and will take all the money they can. They also told me that filing for a hardship would take about 30-45 days. When i requested to speak to a supervisor i was placed on hold by XXXX different agents many times. I was given a non-working number and told to call the supervisor and leave my name and number, and they will get back to me as soon as possible within 24 hours. The number I was given for the supervisor is XXXX. I explained my hardship of not being able to pay my rent or utilities, as well as having XXXX children. They did n't care and said sorry this is your debt and we will do what is needed to collect but if you like you can set up a payment plan for the remainder of the balance after we take the refund. How am I to pay that money if I can not even pay my normal bills due to them taking my refund. \n\nThey claim to have sent notice of the offset XX/XX/XXXX due to them saying I did n't have a payment plan in place, I never received anything or any notice to offset. And I was also on a payment plan of {$200.00} a month at the time up until XXXX XXXX when my payments fell behind and they would no longer work with me due to my job laying me off XX/XX/XXXX. \n\nAfter contacting this company repeatedly, and them either hanging up on me or giving me false information as to whom i can contact to help me resolve this issue. I am coming here for help. I was basically told after weeks and weeks of trying to contact this company that they will not give any part of the refund of XXXX that they took from my taxes even if I am in a hardship. They claim that the hardship would only help pay the remaining balance after they collected all of my refund that I desperately need to keep my family a float. After lying to me and telling me that they would help and do what they could after speaking to the higher ups they avoided my calls and when I did finally get a hold of them they claimed sorry there is nothing that they can do and I would be on my own and sorry for any inconvenience. This is not acceptable or even fair! I needed that money to pay rent, my lights and water so they do n't get shut off as well as food for my children and these people just do n't care at all! \n Company believes it acted appropriately as authorized by contract or law Army and Air Force Exchange Service VA 225XX Servicemember Consent provided Web 02/17/2016 Closed with explanation Yes No 1788805
532989 03/22/2016 Debt collection Mortgage Disclosure verification of debt Right to dispute notice not received Bank of America refused to renew a home equity loan that I had had since 2000 because of a fraudulent quit claim deed on my property. While I was in a process of loan modification, they reported me as delinquent to the credit agencies and my score went down significantly and now I ca n't get a home equity loan from another bank. Bank of America will not answer my emails. I have XXXX contacts there but they will not talk to me anymore. I have a detailed letter that I would like to send you but I ca n't see any way to do this on the website. \n\nFYI. None of the above options accurately identify my problem. You should have a " None of the above '' option. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Bank of America IL 606XX Older American Consent provided Web 03/23/2016 Closed with explanation Yes No 1843163
533068 02/19/2016 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine This is a debt that was purchased and then resold to XXXX companies that harassed me and later sued me and are now garnishing me for a debt in which I had a credit protection on my account in case I had stopped working. This debt is so old but being that it has been resold it it still alive. I tried to fight it stating I was not served the documents in questions ; however, the case was mute and my wages are garnished because of this. \n Company believes it acted appropriately as authorized by contract or law GEMINI CAPITAL GROUP, LLC GA 303XX Older American Consent provided Web 02/23/2016 Closed with explanation Yes No 1795531
533178 02/09/2016 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received I feel that I have not been treated fairly in this matter by XXXX XXXX XXXX, Resolve Partners, and XXXX. \n\nPlease find attached a copy of the lease that appears to have been altered by management and or other personnel at the apartments. \n\nPlease note that the collection agency or the creditor will probably refuse to show you the actual lease because the creditor altered the lease and have therefore incriminated themselves. \n\nPlease note that the creditor has already sent a dossier regarding this case to the NC Department of Justice, and the NC Department of Justice has sent a copy of that dossier to me. \n\nIf you look at the lease then you will see that the creditor simply changed the end date of the lease from XXXX/XXXX/2014 to XXXX/XXXX/2014 without my knowledge and approval. \n\nPlease find attached pictures of what appears to be management and or other personnel at the apartments. \n\nAfter vacating said apartment, we hired an apartment cleaning service to clean said apartment, and we hired a carpet cleaning service to clean said carpet. \n\nAfter management and maintenance personnel from the apartments examined and approved the condition and cleanliness of said apartment, it appears as though management and or other personnel at the apartments intentionally forced a finger between the seams of the carpet and ripped the seams apart. \n\nIt appears as though management and or other personnel employed by the apartments allegedly took the photographs. \n\nThe pictures appear to show management and or other apartment personnel in the process of I think willfully and intentionally vandalizing the carpet in the apartment that we rented and vacated from the apartments. \n\nUpon my denial of said accusations, management and or other personnel at the apartments ordered a collection agency, Resolve Partners, to collect payment from me for damaging said carpet and violating said lease. \n\nWhen I refused to pay the collector for damages by management and or other personnel at the apartments to said carpet and what I think was contract malpractice by management and or other personnel at the apartments, the collector referred me to XXXX, thereby damaging my credit rating. \n\nThe collector accepted this account from the apartments with I think possibly no proof of wrong doing by me. \n\nThe collector accepted this account from the apartments and referred this account to XXXX with no substantiated proof of wrong doing by me. \n\nPlease intercede in my behalf to assist me in achieving a fair solution in this matter. \n Company believes it acted appropriately as authorized by contract or law Resolve Partners, LLC NC 280XX Older American Consent provided Web 02/09/2016 Closed with explanation Yes No 1779317
533755 02/19/2016 Debt collection I do not know Disclosure verification of debt Right to dispute notice not received Contacted company requesting debt verification but company did not respond to request. I did not have an outstanding debt with XXXX. XXXX went into my account and took money and ended up having to give me a credit. They solicited me to get service back and I refused. Had no knowledge of debt. \n Company believes it acted appropriately as authorized by contract or law ERC SC 291XX Servicemember Consent provided Web 02/19/2016 Closed with non-monetary relief Yes No 1793952
533871 02/11/2016 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not disclosed as an attempt to collect JEFFERSON CAPITAL SYSTEMS repeatedly continues to re-age a debt that have been disputed for years. When it is removed from XXXX credit reporting agency it is placed on another. This company have never every sent any documentation to me to alert of a debt prior to posting. \n\nI have repeatedly told the credit bureaus that this company never provided written documentation prior to reporting this debt. \n\nThis is a form of harassment and each and every time this company, JEFFERSON CAPITAL SYSTEMS list this debt it cause my credit score to drop, sometime XXXX plus points. \n\nThis company is attempting to completely ruin my life and my credit and they have no right to do so. \n\nI have never received any written documentation from this company about this debt. Nor do they notify in writing the many times they have placed the deb on all three credit bureaus. \n\nThis is outright harassment to just continue to place the debt on credit reports because you can with no sense of or understanding you are causing the individual 's credit to plummet each time. \n\nIt gets removed from one account and moved to another. I believed since XXXX 2015, this account has been place on all XXXX credit bureaus and some more than once after being removed. Therefore if the account has been removed time and time again it has to be a case that needs someone to look into it and understand why this is happening. \n Company believes it acted appropriately as authorized by contract or law CL Holdings, LLC VA 224XX Servicemember Consent provided Web 02/16/2016 Closed with non-monetary relief Yes No 1785028
534132 02/16/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine United Consumers Inc Website Directions Collection Agencies I frequently get robo-calls from United Consumers , Inc. ( UCI ) asking if I 'm ( various first names ) XXXX and if so I push one button on the phone, and if not I push another button. The robot tells me I 'm not supposed to keep listening if I 'm not the intended XXXX. I have contacted UCI on two or three occasions to ask them to stop calling me, but to no avail. I do n't have any credit debt under collection. These calls are very annoying big net fishing expeditions which apparently are routinely used by UCI to contact everyone with the targeted last names throughout the region. \n\n\nUCI XXXX XXXX XXXX, XXXX, VA XXXX XXXX : ( XXXX ) XXXX \n Company chooses not to provide a public response United Consumers Inc VA 226XX Older American Consent provided Web 02/19/2016 Closed with explanation Yes No 1789637
534993 02/08/2016 Debt collection Non-federal student loan Cont'd attempts collect debt not owed Debt resulted from identity theft I was a student at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. A school official applied for a Peaks Student Loan ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XX/XX/XXXX to XX/XX/XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX XXXX the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX XXXX was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, and XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company First Associates Loan Servicing LLC SC 291XX Servicemember Consent provided Web 02/08/2016 Closed with explanation Yes No 1776713
534994 02/08/2016 Debt collection Non-federal student loan Cont'd attempts collect debt not owed Debt resulted from identity theft I was a student at XXXX XXXX XXXX from XXXX of XXXX to XXXX XXXX. A school official applied for a Peaks Student Loan ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency XXXX XXXX XXXX XXXX XXXX was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX Bank the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC XXXX XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX Bank. The representative from XXXX further advised me that XXXX Bank was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company First Associates Loan Servicing LLC SC 291XX Servicemember Consent provided Web 02/08/2016 Closed with explanation Yes No 1776580
535082 03/02/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine On XX/XX/2015, my PCP sent me for an XXXX. Because I am XXXX and on a fixed income, I checked my copy of the XXXX Medicare Benefits Summary of Benefits ( under Sect XXXX XXXX, and I inquired about the cost of this with XXXX Customer Service, the XXXX Hospital, and the office where the XXXX was performed. They said no fees. I now have XXXX rounds of bills, XXXX unanswered " grievance & appeals '' to XXXX XXXX, and a 30 day notice from a collection agency. For the 3rd time, I gathered up my letters, their letters, the bills, etc. I will upload these which will explain details. Thank you. \n Company believes it acted appropriately as authorized by contract or law Financial Corporation of America NM 871XX Older American, Servicemember Consent provided Web 03/02/2016 Closed with explanation Yes No 1813920
535217 02/09/2016 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not disclosed as an attempt to collect Have no way to call and settle debt \n Company believes it acted appropriately as authorized by contract or law Focus Holding Company CA 922XX Servicemember Consent provided Web 02/10/2016 Closed with explanation Yes No 1780298
535247 03/21/2016 Debt collection I do not know Communication tactics Frequent or repeated calls Started getting calls again for another person. I told them on XXXX XXXX that I do not know who he is do not call my number again. They said they would add my number to the do not call list. Again today I received a call from Ally bank looking for him. I had this same issue with them a few years back and they are starting up again. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Ally Financial Inc. TX 788XX Servicemember Consent provided Web 03/21/2016 Closed with explanation Yes No 1842386
535420 02/08/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine received a letter from Sunrise Credit Services , Inc. of a past due debt from creditor XXXX XXXX House. the amount due is {$51.00}. i contacted the collection agency above and agent explained that according to XXXX XXXX House, they sent a letter to me, and merchandise. i did not received any letter, nor any merchandise. the Sunrise Credit agent on the phone insisted that i owed this, and they are offering me a reduced amount to be paid? I told the agent on the phone that i did not received any letter from XXXX XXXX House, and any merchandise. and do not know of any amount of money that i owed. it not much of an amount to be paid, but i just got suspicious of where this transaction came in to being? and why is this collector is offering this at this time. And i do not recall having ordered any merchandise from XXXX XXXX House at the beginning of last year, 2015, according to the Sunrise Credit Services , Inc, agent i spoke to by phone. the account # under my name for this debt is, XXXX. \n Company chooses not to provide a public response Sunrise Credit Services Inc. AS 967XX Older American, Servicemember Consent provided Web 02/08/2016 Closed with explanation Yes No 1777786
535476 04/01/2016 Debt collection Non-federal student loan Improper contact or sharing of info Contacted employer after asked not to Continues to place calls to me at my place of employment although I have asked repeatedly not to. I spoke with a manager XXXX this time who continued to ramble on after I advised again that I can not receive these calls at work. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Navient Solutions, Inc. IN 462XX Servicemember Consent provided Web 04/01/2016 Closed with explanation Yes No 1860540
535576 03/25/2016 Debt collection I do not know Taking/threatening an illegal action Attempted to/Collected exempt funds My grandmother, who suffers from XXXX has been continually harassed by this so called debt collector ( I assume this because of the tone and threat of legal action, and after looking up who they were ), my grandmother had handed me the phone to talk to these people, knowing that there was nothing she can do considering my grandmother is a social security recipient, and that is her only income, and noticing the call had lasted for 40 min and was currently on hold, I hung up. The lady on the other line, immediately called back and initially refused to talk to me and asked if I was an attorney, I informed her no, that I am a family member and that my grandmother, XXXX XXXX, was going to give them permission to talk to me, at which point the lady on the phone got noticeably more aggressive and said they were then going to take legal action against my grandmother and hung up the phone. Their threatening use of debt collection practices disturbes me, as I am actually a former collector for a major bank and her behavior on the phone and lack of professionalism is something that is not needed, and mostly illegal in that industry. \n Company can't verify or dispute the facts in the complaint Nelson Cruz & Associates LLC WA 989XX Older American Consent provided Web 03/25/2016 Closed No No 1850628
535681 01/24/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt was paid I have paid the supposed amount that central credit services claims to be attempting to collect. I have contacted XXXX to make sure that I did in fact settle all my debts to them prior to my moving from Idaho to our new duty station. Central Credit Services has now put a debt collection on my XXXX credit report. I have not ever not paid any of my bills and do not appreciate a company attempting to collect money that I have never owed. \n Company chooses not to provide a public response Radius Global Solutions LLC ND 587XX Servicemember Consent provided Web 01/28/2016 Closed with explanation Yes No 1755327
535688 01/13/2016 Debt collection I do not know Disclosure verification of debt Not given enough info to verify debt On XXXX XXXX, 2016 I was contacted by a person claiming to be from a collection agency ( not named ). I did not get the name of the woman on the phone. She claimed she was calling about a past due debt, but did not provide any information about to whom I owed the debt. Instead, she started asking personal questions which I refused to answer, since I did not initiate the call and she did not provide any information to allow me to trust her. I hung up. The only information I have is her phone number and the city from which she called. The phone number from my recent 's list is ( XXXX ) XXXX. The city is XXXX, Minnesota. This seemed to be a phishing call. The questions she was asking were all information any vendor would know. \n Company disputes the facts presented in the complaint Diversified Adjustment Service, Inc. KY 404XX Older American Consent provided Web 02/04/2016 Closed with explanation Yes No 1742974
535764 03/29/2016 Student loan Non-federal student loan Dealing with my lender or servicer Trouble with how payments are handled My student loan was moved from XXXX to your UHEAA company. It was placed in forbearance for some time, then was paid at XXXX $ / month since my marriage in XX/XX/XXXX. By your policy I was to receive bill notifications, but the last received was XXXX XXXX. The email on file was validated as correct. Notifications are not present in my email nor spam nor trash folders. Yesterday, our checking account was debited the remaining XXXX without notice, overdrawing our account just prior to our mortgage payment. Complaint to your customer representatives ( XXXX, and XXXX other ) was met with policy statement of 60 days to return erroneous withdrawals. My bank takes 10 to 45 days to process unauthorized transactions, and decline of payment takes 30 to 45 days. All effort to persuade your representatives that your offical error correction policy is utterly inadequate to this specific situation was unsuccessful. It was made clear, by your policy, that our ability to pay our mortgage and other bills, and our credit rating, are inconsequential to your company 's adherence to a policy of taking 2 months to correct an error. \nAs this is utterly unacceptable by any standard, this situation is being forwarded to the Consumer Financial Protection Bureau. \n\nXXXX XXXX \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Utah System of Higher Education UT 841XX Servicemember Consent provided Web 04/06/2016 Closed with explanation Yes No 1854763
535822 04/13/2016 Debt collection I do not know Disclosure verification of debt Not disclosed as an attempt to collect I have received many calls from IC systems. They ask for me but I do not respond I am the person they are looking for. I have repeatedly told them not to call again but they do several times a week. they call from several numbers latest is XXXX XXXX I have blocked them each time they call but then they use a different number \n Company has responded to the consumer and the CFPB and chooses not to provide a public response I.C. System, Inc. GA 305XX Older American, Servicemember Consent provided Web 04/13/2016 Closed with explanation Yes No 1878702
536290 02/11/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine The company involved here is Ditech Financial LLC, previously known as Greentree Financial. \nOn XXXX XXXX, 2015 I started receiving collection notices for a loan I did not take out. This occurred several years after I thought the issue was resolved. Therefore, I filed a complaint with the CFPB about this collection attempt. That case number was XXXX. After my last communication with the CFPB and the company stating what I expected to happen, I received no further collection action or communication from either. At that point I believed the problem was resolved. \nAbout a week ago. I received a XXXX from Ditech Financial LLC for {$1700.00} of debt discharged. When I called Ditech Financial LLC they told me the account was closed and that they would not change or recall the XXXX. Since I did not pay them any money, I do n't know how they discharged the loan but someone must have paid it off. As was covered by the previous case cited above, I did not owe this debt and had never done business with Greentree or now known as Ditech. \nThis XXXX will adversely effect my taxes which will be the same thing as paying this debt I did not owe. Since I did not owe or pay the debt but someone else did, that someone should get this XXXX. \n Company believes it acted appropriately as authorized by contract or law Ditech Financial LLC FL 335XX Older American, Servicemember Consent provided Web 02/11/2016 Closed with explanation Yes No 1784232
536353 02/02/2016 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine To Whom it may concern : Re : Sears Visa Card, keeps calling my home phone number to collect a debt against " XXXX XXXX '' or my wife XXXX. Collection Phone number is XXXX. No caller ID indicating it is a call from XXXX is provided from the callers number, but I have verified that the phone numbers is a Sears Visa Collection Number. \n\nI have called them several times to tell them we are on the DNC lists, do not have a Visa Card with Sears and to stop calling this number. Every day since XX/XX/2016, there is at least one phone call and a computer animated message left on our answering machine. Other times it is a call and a hang up, no message left, which is disrupting and harassing in nature as I have asked them to cease and desist. \n\nThis is an ongoing attempt to collect a debt, that is not my our own. I have asked them to remove our phone number from their automated system and it still continues as of typing this on XXXX/XXXX/16. Please help as this continues and needs to stop. \n\nXXXX, XXXX \n Company chooses not to provide a public response Citibank NJ 077XX Servicemember Consent provided Web 02/08/2016 Closed with non-monetary relief Yes No 1768532
536376 04/20/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I agreed to a one year bundle package with XXXX XXXX with a specific guarantee of quality of service. Specifically, I required a specific upload/download speed for my broadband connection in order to connect to a government XXXX connection in order to telework. At no time did I speak with a XXXX person until the technician arrived to install the equipment. The broadband connection routinely fell below the required speed to keep the XXXX connection which jeopardized my ability to telework. XXXX attempted to correct the issue, but all efforts failed. Consequently, I changed the provider of my bundled services. I contacted XXXX and advised them I was cancelling my service due to the above issues. I was informed I would pay an early cancellation penalty since I did not keep the service for the two year period. I informed the Customer Service representative I did not commit to a two year agreement and this was the first I was hearing from them. I did not receive any correspondence from XXXX at the time I agreed to the service with the XXXX representative. I received monthly bills from XXXX. I contacted XXXX several times after I cancelled my service to get an explanation to the charges. I returned the equipment in the prepaid postage container, but was not credited for the equipment. The remainder of the balance was said to be " unpaid charges to XXXX ''. I asked twice for an explanation and received the same explanation. I was then contacted by a debt collector, XXXX XXXX XXXX , XXXX . I explained the situation to them ; however, they persisted with repeated telephone calls and correspondence. I responded to The XXXX XXXX with a letter providing the details and copies of billing statements from XXXX and XXXX. The XXXX billing statement showed no balance due. I received a response from XXXX XXXX along with a letter from XXXX. The letter from XXXX stated the XXXX and XXXX statements were integrated and XXXX and XXXX removed the XXXX billing option ( which occurred shortly after XXXX XXXX XXXX acquired XXXX ). The letter when on to state, " The account balance includes XXXX charges which were unpaid by XXXX. '' I sent a subsequent letter to XXXX XXXX stating the collection of unpaid charges in between XXXX and XXXX. I requested XXXX XXXX stop all communication with me and with my address, and record that I dispute having any obligation for this debt. I informed XXXX XXXX that if they stop collection of the debt, and forward or return it to another company, to please indicate to them that the debt is disputed. Additionally, I asked if the debt is reported to a credit bureau, or already has been reported, also report that the debt is disputed. I did n't hear back from XXXX XXXX. About six weeks ago I received a telephone call from Focus Receivables Management. I returned the call and asked what this was in reference to. The agent stated she need personal information from me before I she could tell me what this was about. I refused to provide them with personal information and asked them to forward written correspondence. I continue to receive daily phone calls with voice mail messages. One of which was very personal in nature ( I have a copy of voice mail ). This past week I received written correspondence from Focus Receivables indicating the debt was with XXXX. In addition to phone calls to my residence, I now receive phone calls to my cell phone. When you answer the call, no one is there, the phone clicks, and you hear dial tone. \n Company believes it acted appropriately as authorized by contract or law Focus Holding Company VA 231XX Servicemember Consent provided Web 04/20/2016 Closed with explanation Yes No 1887421
536435 03/29/2016 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Right to dispute notice not received I received a copy of my credit report, and that is when I notice the collection account for National Recovery Agency. I was never notified by the collection company, so I was unable to dispute the account for which they are reporting. \n Company believes it acted appropriately as authorized by contract or law NRA Group, LLC DE 197XX Older American Consent provided Web 03/31/2016 Closed with explanation Yes Yes 1854954
536698 03/01/2016 Debt collection Federal student loan Improper contact or sharing of info Contacted employer after asked not to TG continues to call me multiple times per day, as early at XXXX and as late as XXXX. They continue to call even though I have asked them not to. They called my employer and proceeded to ask them personal information about me and where I live. They even asked my employer to verify my Social Security Number. \n Company disputes the facts presented in the complaint Texas Guaranteed FL 346XX Servicemember Consent provided Web 04/13/2016 Closed Yes No 1810940
536868 02/15/2016 Debt collection Credit card Taking/threatening an illegal action Threatened to sue on too old debt There were a number of other violations that I could have chosen on the previous question : Communication tactics : Threatened to take legal action, Continued attempts to collect debt I do not owe : Debt is not mine, False statements or representation : Indicated committing crime by not paying debt AND Impersonated attorney, and Improper contact or sharing of information : Talked to a third party about my debt. However, the threat to sue on a debt that is too old to be sued on is the most significant to me, as the alleged debt is outside the statute of limitations and can no longer be collected upon. \n\nMy dad was called by someone who was serving him notice via phone of a " debt-related civil action pending against [ me ]. '' He was told to take down a phone number and a file number and have me call the company. When I called, I spoke to XXXX XXXX who, after several minutes of prompting, identified company as XXXX XXXX. I was told the company was a law office looking to collect on US Bank credit card account closed in 2008, an account I knew nothing about. I raised concern over the fact that I had never heard of the account or received any type of phone call or literature regarding collection, and over the fact that the debt was disclosed to my father, rather than through direct contact at my number. XXXX first told me they had been calling my number repeatedly and I had been ignoring the calls ( I had never received a call ) and later changed to " this is the first time we 've sought contact with you. '' I could not get her to tell me the dollar amount of the account more specifically than " over one thousand dollars. '' I accused the business and account of being illegitimate, and XXXX raised her voice at me and rattled off my full social security number to me twice, despite my protest and pointing out that practice was illegal. She spent the remainder of her time on the phone with me asking why I had n't paid, " what [ was ] wrong with [ me ], '' and telling me that I needed to pay or they would sue me. I was transferred to transferred to XXXX XXXX. XXXX gave me the total in question ( ~ {$1200.00} ). When I told her the account was not mine, she told me to visit my credit report and mark the account as being the product of identity theft. She told me an investigation into the validity of the account would take approximately 30 days and that she would start the process of having me served with a summons so I could later appear in court with the record of dispute. She asked for my current address to do this ; I gave it to her and got off the phone. \n\nI checked my credit report where I found no record of the US Bank account. I checked a report generated a year ago and saw the account. The account is not mine ; I have zero recollection of opening or paying on this account. I attempted to open a dispute, and was unable to because the account had come off my report the year prior. I called the company back. I initially spoke to a man who told me that this was obviously my account, accused me of deliberate lying, and demanded I pay the amount today because they planned to garnish my wages or put a lien on my car to satisfy judgment rendered against me. He was speaking to me in a very accusatory and threatening manner, so I demanded that I be able to speak to XXXX again. She told me my only option was to pay or I would be sued. I caved in and I agreed, setting up XXXX payments to begin on the XXXX for an account that is not even mine. I was then transferred to a member of the " accounting department '' who asked to record me. I allowed him, and he asked that I state my name, address, and telephone number to verify my personal information. \n\nI later contacted my attorney who informed me I had been victim to illegal practices under the Fair Debt Collection Practices Act and encouraged me to begin the process of protecting my information. \n Company chooses not to provide a public response U.S. Bancorp NY 115XX Servicemember Consent provided Web 02/15/2016 Closed with explanation Yes No 1787854
536869 02/16/2016 Debt collection Medical Communication tactics Frequent or repeated calls Retrieval-Masters Creditors Bureau, Inc calling from ( XXXX ) XXXX is calling my cell a minimum of twice every single day including weekends. If I answer there is no person or message, I have no idea what these calls are referring to as my current credit report does not list them. \n Company believes it acted appropriately as authorized by contract or law Retrieval-Masters Creditors Bureau, Inc. WA 984XX Servicemember Consent provided Web 02/16/2016 Closed with explanation Yes No 1788464
537052 12/22/2015 Debt collection Credit card Cont'd attempts collect debt not owed Debt was paid macy 's double-charged me for an item. i disputed the bill immediately. many calls and disturbingly long wait times, i was told it was now zero. i just got another bill -- they placed a five-dollar amount on my bill, with late charges of XXXX they dont answer and keep charging late fees -- it was up to XXXX before my latest call. i am elderly and feel taken advantage of. i 'm sure i 'm not the only XXXX being scammed by macy 's. can you help? \n Company chooses not to provide a public response Citibank MA 021XX Older American Consent provided Web 12/22/2015 Closed with monetary relief Yes No 1710157
537259 03/31/2016 Debt collection Auto Cont'd attempts collect debt not owed Debt is not mine I have gotten calls from XXXX XXXX, Flagship Credit, XXXX XXXX XXXX, XXXX XXXX, XXXX TX XXXX. I most recently spoke with an agent on XXXX/XXXX/16 at approx XXXX. The agent was polite and provided the above info after I advised her I was sick of the calls and was going to file a complaint. \n\nApprox 6 weeks ago we received several calls from this company and they left no message. When they called at a time I was home I answered a call from them, after I found out what they were after I answered some questions to verify I was not the person they were after. Some weeks went by and I started getting some calls again, no message left, again when I was home I answered the call. I told them I had answered their questions, cleared up the issue, I would not answer any more questions and to quit calling me. At this point I became uncooperative and remain so. \n\nA week or so passed and more calls with no message. Again when they called and I was home I answered and spoke with XXXX, this time I gathered contact information, informed her I would answer no questions and I was filing a complaint. \n\nI get the whole deal on collecting debts, they have a complex job but when someone cooperates, verifies some info, and continues to get calls they create a poor reputation for their company and the industry. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response FC HoldCo LLC WA 990XX Older American Consent provided Web 04/04/2016 Closed with explanation Yes No 1857876
537384 03/31/2016 Debt collection Credit card Communication tactics Frequent or repeated calls I have a credit card account with Best Buy Credit Services. I have legitimate purchases on the card that my daughter incurred and did not pay. She had been intercepting our mail in order to hide the delinquent status, but we have since been notified through a phone call. We have also been advised that the bill has been passed to a third party collection agency ( XXXX XXXX XXXX ). I do not refute the bill and would like to make a payment. However, I am deeply concerned with the nature of the collection effort. To this day, I am still receiving bills from BOTH Citibank ( Best Buy ) and XXXX. Despite my attempts to make payment, Citibank wo n't take a payment and refers me to XXXX. Furthermore, XXXX indicates that they have not bought the debt so of course they ca n't negotiate a settlement amount. I am very uncomfortable with this scenario. The representatives at both organizations were unable to de-conflict. Why is Best Buy billing me, requesting payment, and then refusing payment? If they have fully passed the debt, why is Best Buy still billing me? Why is XXXX indicating they do n't " hold '' the debt? ( which I suspect is an attempt to bypass settlement negotiations ). XXXX has also advised that interest and late charges can still accrue, which suggests that Best Buy has not passed they debt. Please help. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Citibank PA 190XX Servicemember Consent provided Web 03/31/2016 Closed with explanation Yes No 1857377
537527 04/02/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was discharged in bankruptcy I applied to refinance my home when I found out that CACH , LLC, has a lien against my home in my husbands name, that was filed in bankruptcy .We were discharged XXXX/XXXX/2013. this means they have been paid but wo n't take it off. The amount filed in bankruptcy was XXXX.I am not sure if you can help but maybe if you ca n't you can direct me to the right source. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response SquareTwo Financial Corporation NC 285XX Older American Consent provided Web 04/02/2016 Closed with explanation Yes No 1860734
537758 02/16/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid Harris & Harris continues to robo-call me to tell me I owe a debt that I paid on-line on XXXX/XXXX/2014. I have phoned them TWICE with my confirmation number proving payment and asked them to stop calling me. Yet I get one phone call a day from them. Yesterday I received a letter from them telling me that they are reporting me to the credit reporting agency. \n Company believes the complaint is the result of a misunderstanding Harris & Harris, Ltd. VA 223XX Servicemember Consent provided Web 02/16/2016 Closed with explanation Yes No 1788374
537874 04/02/2016 Debt collection Credit card Taking/threatening an illegal action Threatened to sue on too old debt Johnson Mark XXXX is attempting to collect a debt which was outside of the statute of limitations. There was so attempt to contact me with updated contact information. The Law office claimed to have served me or a person at another residence and filed a lawsuit against me even though I was personally not contacted. The law office started to garnish my wages11 years after the account was closed. No additional attempts were made to contact me at my residence. There had not been any garnishment attempts made prior to this. Mark Johnson LLC has not provided me with written documentation of verification of debt, name, address of original creditor, statements, previous payments, or account information. \n Company believes it acted appropriately as authorized by contract or law Johnson Mark LLC AZ 852XX Servicemember Consent provided Web 04/05/2016 Closed with explanation Yes No 1861557
538340 12/19/2015 Debt collection Credit card Communication tactics Frequent or repeated calls This is Contienetal Finance/ XXXX Credit Card.I sent them a letter on XXXX XXXX, 2015, citing law 15 U.S.C. Section 1692c, to cease all phone calls to me or anyone I may or may not know. From that date until XXXX XXXX, 2015, they have made over 26 calls. I sent a second letter to them at that time. Since then they have called 26 more times. I have sent letters to other creditors and they have acknowledged them and have stopped calling. This company wo n't stop and if I answer the call, they hang up. \n Company chooses not to provide a public response Continental Finance Company, LLC TX 765XX Older American Consent provided Web 12/19/2015 Closed with explanation Yes No 1709522
538873 02/15/2016 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt I am in receipt of correspondence stating that I owe {$120.00} due to XXXX placing my account with a collection agency. I have never had an XXXX account and have never made a sale or purchase on XXXX. \n Company chooses not to provide a public response Constar Financial Services, LLC FL 338XX Older American, Servicemember Consent provided Web 02/15/2016 Closed with explanation Yes No 1787726
538924 04/07/2016 Debt collection Medical Disclosure verification of debt Right to dispute notice not received Progressive Management Services refused to negotiate on this debt even though I told them I could n't make it to the next hospital where my XXXX condition would have been evaluated for free. ( VA hospital as I am a Veteran ) Also they are n't reporting the amount I have already paid to the {$1400.00}. I am still owing {$300.00} bout it 's being reported as a {$2000.00} debt. I told them I needed it paid so I could refinance my mortgage and she laughed at me when I asked her to negotiate. I feel this unfair, prejudice and unreasonable of this company. \n Company believes it acted appropriately as authorized by contract or law R.M. Galicia, Inc. CA 919XX Older American, Servicemember Consent provided Web 04/07/2016 Closed with explanation Yes No 1866887
539040 02/14/2016 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not disclosed as an attempt to collect Eastern account systems did not disclose that they were a debt collector they called my husband and stated that they were charter cable and for him to make a false statement. I have a false report from charter on my credit report and have been fighting this for a few years now trying to get them to remove it. They got him to set up payments thinking that he was paying for out cable TV I have now been calling them for a week now with no response from them and they continue to draft my bank account. They are not disclosing themselves as a debt collector they only stressed that they were from charter. They have now taken over XXXX from my bank account in less than 2 weeks this is ludicrous and I want my money back and for them to remove my credit bureau report that is false since I have never had them up until a few months ago. Please help me thanks. \n Company believes it acted appropriately as authorized by contract or law Eastern Account Systems of Connecticut, Inc. TX 761XX Servicemember Consent provided Web 02/14/2016 Closed with explanation Yes No 1787411
539263 04/17/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Credit Management Ltd has filed negative information with XXXX three times in the past three months for the same debt with XXXX XXXX. First, the name on the debt is not the same as anyone who lives here. While it is similar to my wife 's name, it is not the same name. Second, we have never been customers of XXXX XXXX. We do not live in a XXXX XXXX area. None of the false addresses registered with XXXX are the same as ours. We have lived at our current address for 32 years and do not have another address. We have never received a monthly bill from XXXX XXXX. We have never used XXXX XXXX service. This debt is not ours. We will not pay it. XXXX keeps going from one debt collection agency to another trying to collect on a debt we do not owe. While XXXX is the victim of someone else 's fraud, that does not make us responsible for the debt. We do not owe the debt. We will not pay the debt. Credit Management must cease and desist their repetitive claims to XXXX on a monthly basis for a debt we do not owe. They 're playing a game to extort money. They file the claim each month, we dispute it each month. XXXX removes the claim each month. Credit Management needs to stop wasting XXXX 's time and stop harrassing us. There is no XXXX XXXX at our address. Never has been. They need to locate the real person who ran up the debt and approach them for payment and leave us alone. \n\nThis claim has already been disputed and Credit Management removed the claim and the false name before. They must do the same again and cease and desist from all further claims in this matter. \n Company can't verify or dispute the facts in the complaint The CMI Group, Inc. CA 900XX Older American Consent provided Web 04/17/2016 Closed with explanation Yes No 1883545
539776 04/08/2016 Debt collection Credit card Disclosure verification of debt Not given enough info to verify debt Debt which is paid in full has been bought by a zombie debt collector and needs to be removed immediately. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Synchrony Financial OH 458XX Servicemember Consent provided Web 04/08/2016 Closed with explanation Yes Yes 1871049
539818 04/14/2016 Debt collection Medical Disclosure verification of debt Not given enough info to verify debt Professional Account Services keeps calling me and will not even tell me why. I know they are a debt collector for medical bills. I do not have any medical bills. They call and have asked for my social security number to identify myself, even though they called me! When I refuse, they then ask for my birthdate - which I wont give them either since I wo n't give any personal information to a stranger on the phone who wo n't say why they are calling. I 've asked them to send something in the mail and I will respond if it is legitimate, maybe a doctor I 've seen. But after a month of my requesting this, they do not send anything stating if I even have a debt. This company has the power to ruin my credit if they are really trying to collect a debt ( there is n't XXXX ), or even if it is a mistake. This seems a wholly illegal way to handle this. they call from XXXX. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Community Health Investment Company, LLC. FL 329XX Older American, Servicemember Consent provided Web 04/18/2016 Closed with explanation Yes Yes 1879683
539916 04/16/2016 Debt collection Auto Disclosure verification of debt Right to dispute notice not received Credit Bureau Assosiates has been contracted to settle an auto loan debt I had with XXXX XXXX XXXX ( a CA banking institution ). Over the past 4 years I have made continual payments to them between the amounts of $ XXXX {$200.00} per month, most of which were requested by me to auto withdrawal from my account. I have not received a statement showing pay history in over 18 months. When agreeing on an amount due, the notes in " the system '' are different from what was said from a previous collector. And in 4 years I 've yet to see the amount the Bank sold the debt for to the collector. As of today they are saying {$2400.00} is the Bal ( due to interest ) with the amount owed to XXXX ( Bank ) as {$870.00}. They refused my settlement of {$900.00}. Sir/Ma'am what can I do? I am a XXXX and My Wife and I are working really hard to settle this debt. Thank you. \n Company believes it acted appropriately as authorized by contract or law KelKris Associates Inc KS 664XX Servicemember Consent provided Web 04/16/2016 Closed with explanation Yes No 1883343
539936 04/12/2016 Debt collection Auto False statements or representation Attempted to collect wrong amount In XXXX XXXX I signed a payment agreement on an agreed judgment which included service fees, filing fees, and listed an interest rate of 12 % per year. As agreed, I began making monthly payments beginning XXXX XXXX, with the most recent payment being made in XXXX. On XXXX XXXX XXXX the company representative told me my balance was {$3500.00} more than what the initial balance was on the agreed judgment. I disputed this and she stated she would work with the legal team to get this resolved. I called the company to follow up on this on XXXX XXXX XXXX and the issue still was not corrected. At this time it was explained to me, the additional amount was attorney fees and other fees they forgot to put in the original signed agreement, and that she was n't sure when this would be corrected. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Autovest, L.L.C. WA 992XX Servicemember Consent provided Web 04/12/2016 Closed with explanation Yes No 1875775
540452 04/05/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine filed complaint XX/XX/XXXX # XXXX that this is debt is not mine.received letter dated XX/XX/XXXX offering discount settlement.never shopped at store listed. ss # listed on debt is not mine \n Company believes complaint is the result of an isolated error Credit Corp Solutions Inc. MD 207XX Older American Consent provided Web 04/05/2016 Closed with explanation Yes No 1865901
540664 03/16/2016 Debt collection Credit card Disclosure verification of debt Right to dispute notice not received Cach LLC never contacted me once about a debt they purchased XXXX XX/XX/XXXXXXXX purchased it from XXXX in XXXX. I havent made a payment on this debt since XXXX. XXXX removed their account fTom my credit report because it 's over 7 years old. Cach LLC however is falsely saying it did n't go delinquent until XXXX and refuses to remove it. When I asked them to send me verification of the debt they refused to do so. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response SquareTwo Financial Corporation MN 558XX Servicemember Consent provided Web 03/22/2016 Closed with explanation Yes No 1834811
540964 04/06/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine repeated calls to my home number looking for a person with a similar name. I have not debt and have asked them repeatedly, more than 3 times to remove my phone number from their system. I am still getting calls. They are United Consumers Inc, XXXX. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response United Consumers Inc VA 201XX Older American Consent provided Web 04/06/2016 Closed with explanation Yes No 1867466
541013 03/16/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid I have attempted several times throughout the years to, communicate with the non-va medical facilities, that I 'm a XXXX vet and there is a department in the XXXX XXXX va facility in XXXX XXXX Michigan called the department of veteran affairs XXXX XXXX XXXX XXXX XXXX Michigan XXXX phone number XXXX, I spoke with XXXX today XX/XX/XXXX and he informed me that they never received any bills from this debt. Merchants and medical XXXX flint Michigan XXXX in regards to a visit that I made dated XX/XX/XXXX account number XXXX, this item ended up on my credit report, these are the types of issues that our American veterans have to combat in order to try to even maintain some sort of normal life, no one takes the time to go thru the proper procedure to make our life more easier when trying to navigate thru these non-va facilities. im faxing you the debt on my credit report and my va status. I would appreciate it if these debt collectors would contact the proper departments you make it difficult for a lot of veterans by not simply making one phone call. Remove this from my credit. \nXXXX XXXX Company believes it acted appropriately as authorized by contract or law Merchants and Medical Credit Corporation, Inc. MI 484XX Servicemember Consent provided Web 03/16/2016 Closed with non-monetary relief Yes No 1835108
541135 04/05/2016 Debt collection Medical Disclosure verification of debt Not given enough info to verify debt Have received collection notice but never received a bill from the supposed creditor. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Credence Resource Management, LLC MS 395XX Older American, Servicemember Consent provided Web 04/05/2016 Closed with non-monetary relief Yes No 1864221
541586 04/11/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was discharged in bankruptcy this debt was included in a chapter XXXX BK XXXX filed XXXX/XXXX/2016 this the collections company was already notified and continued collection practices are being made by the creditor. this accoutn should be removed from my credit report and all collections efforts should cease. \n Company believes it acted appropriately as authorized by contract or law ERC TX 761XX Servicemember Consent provided Web 04/11/2016 Closed with non-monetary relief Yes No 1873428
542213 04/07/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Not sure where this is from. \nI closed my XXXX account in XXXX 2016 ; and even received a credit check back for unused service. \nAlso, my condo association changed to XXXX in my complex, XXXX 2016 and they checked my record and again did n't indicate I owed any past debts. \n Company believes it acted appropriately as authorized by contract or law ERC FL 321XX Older American, Servicemember Consent provided Web 04/08/2016 Closed with non-monetary relief Yes No 1868236
542573 01/25/2016 Payday loan Payday loan Received a loan I didn't apply for Received a loan I didn't apply for I was never contacted by the lender. Not even once. \nXXXX XXXX and XXXX somehow obtained my information and threatened me with legal action. They said they would harrass me at work every day and show up at my doorstep. They fraudulently aquired my information and continue to threaten me. They constantly call and say they have contacted XXXX XXXX and are serving me court orders. I contaced the actual lender and they said they are a scam company. \n Company believes it acted appropriately as authorized by contract or law NetSpend Corporation, a TSYS Company TX 751XX Servicemember Consent provided Web 01/28/2016 Closed with explanation Yes No 1756167
542651 04/01/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I received a letter from an attorney advising I currently owe {$310000.00} to XXXX XXXX XXXX. The amount of the ledger changes with every ledger we receive with threats about accruing interest at the highest rate possible. I have disputed this amount and even provided proof that I do not owe this. I provided the ledger from XXXX XXXX XXXX that show all of my payments made timely and have paid all of my fees and assessments. The XXXX association has told me I owe them no money and they have no idea where these charges are coming from or why I am being charged by this collection agency. I continue to be harassed and have received numerous threatening letters regarding this debt that is not mine. I have XXXX pages of documents including certified letters provided to the collection agency and attorney documenting how this debt is not accurate and I do NOT owe this money. I have sent many certified letters and have not received one response to any of my letters to the collection agency as well as the attorney working on behalf of the collection agency. \nI am XXXX years old and have always paid my feed, dues and assessments. These threatening letters have brought undue stress upon that I can not afford to go through health wise. I have had to go to visit my doctor because these letters have made me ill. I worry that they will continue to harass me and make my health worse. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Association Financial Services, LLC FL 331XX Older American Consent provided Web 04/01/2016 Closed with non-monetary relief Yes No 1860503
542867 02/09/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine I sold a house in XXXX, IN back in 2014, all bills were paid in full as part of the property sales agreement. Several months later the Indiana power company sent me a bill for new power consumption. I informed them at the time of the sale of the house and at receipt of the first bill that the house had been sold. NRA Group continually calls me now and refuses to send me proof of debt so I can address the issue. \n Company believes it acted appropriately as authorized by contract or law NRA Group, LLC WA 993XX Older American, Servicemember Consent provided Web 02/11/2016 Closed with explanation Yes No 1777507
543179 12/25/2015 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount Financial credit network is reporting false information to the credit reporting agencies. They state I opened and incurred a debt of {$100.00} ( XXXX dollars ) in XX/XX/XXXX. The last transaction made on this account was well before XX/XX/XXXX. I want all incorrect information removed from my account ; such as, the false opening date ; as this might negatively impact my credit rating. \n Company believes it acted appropriately as authorized by contract or law Financial Credit Network Inc CA 976XX Older American Consent provided Web 12/25/2015 Closed with non-monetary relief Yes No 1716967
543387 02/04/2016 Debt collection Auto Communication tactics Called outside of 8am-9pm They call at least 20-30 times a day, using the following phone numbers : XXXX, XXXX, XXXX, XXXX, and never leave a message. This disturbs my work time often. \n Company disputes the facts presented in the complaint Auto Trakk, LLC MI 480XX Older American Consent provided Web 02/04/2016 Closed with explanation Yes No 1773445
544337 03/29/2016 Debt collection Mortgage Taking/threatening an illegal action Seized/Attempted to seize property Attempted to foreclose on home without reason and proper notice or documents. I also must say that when I notified XXXX of the issues they seemed to really want the issues resolved and did give me the impression that they were not involved in the fraudulent issues at all. I do believe that they were an innocent party in the document production and were not interested in moving forth when they were made aware of the issues. I am filing this claim because it seems that the companies have changed but that they may also have in their files this information in case I have to deal with them as substitute trustees again. I has come back to them 3 times in the past. I have attempted to follow thru so that truly innocent companies are not drawn into where not involved. They listed my home on the internet for sale without notifying me for foreclosure .They were given incomplete info for doing so but proceeded anyway until I contacted them. Had someone not told me it would have been accomplished. I want this resolved \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Bank of America VA 235XX Older American Consent provided Web 03/31/2016 Closed with explanation Yes No 1853911
544789 03/22/2016 Debt collection I do not know Disclosure verification of debt Right to dispute notice not received This collection company recently placed an account on my credit report. I have no knowledge of this account and why it is reporting on my credit. I was not given a disclosure verification of debt and I do not have any knowledge of this debt they are reporting \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Access Receivables Management PA 191XX Servicemember Consent provided Web 03/22/2016 Closed with explanation Yes Yes 1844511
545127 12/17/2015 Debt collection I do not know Improper contact or sharing of info Talked to a third party about my debt I was contacted by Navy Federal Credit Union regarding my brother XXXX XXXX because he has a debt with them. The Navy Federal Credit Union employee identified themselves and then asked if I could pass a message onto my brother XXXX XXXX. I told them no, and that I was not XXXX XXXX so they should contact him about this issue. She restated that she just wanted me to pass on a message to him, and I again politely told her no and that they can try to contact him directly. \n\nI then called Navy Federal Credit Union 's main extension and asked to be transferred to their collections department. I wanted to file a complaint so that there is a record with them that their employee contacted me and solicited me to do something that violates the FDCPA and the TCPA. Once I explained why I wanted to be transferred to that department the customer service representative refused to transfer my call. \n Company believes it acted appropriately as authorized by contract or law Navy FCU CA 911XX Servicemember Consent provided Web 12/17/2015 Closed with explanation Yes No 1705180
545718 03/27/2016 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Talked to a third party about my debt XXXX, an on-line bill pay service of XXXX XXXX XXXX XXXX is engaging in Identity theft of my SSN by sharing my Privacy protected information with XXXX and XXXX of XXXX, Ohio a third party which is also illegally using my social security number on their correspondence without my permission. I have reported both XXXX and XXXX and Creed to the FTC government website and was referred to this site by the Fair Trade commission. In addition, I have placed a 90 day fraud alert with XXXX, XXXX and XXXX. \n\nAnd since I am XXXX and XXXX identity theft insurance that was given all XXXX employees affected by the OPM hacking, I will be reporting the stolen SSN information by Joseph, Mann and Creed to those companies too. \n\nIf there is a way to report this to the Attorney General of CA and Ohio and sue both XXXX and XXXX for unauthorized stealing and sharing of my SSN I will be exploring that as well. \n\nI hope the CFPB will reprimand both XXXX and Joseph, Mann and Creed- maybe all the employees and management of both those companies need to have their SSN information stolen by another third party so they can know what this feels like. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Media Collections, Inc CA 927XX Servicemember Consent provided Web 03/27/2016 Closed with non-monetary relief Yes No 1851137
545863 03/29/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid I was treated XXXX while on vacation in Michigan. Before going to a medical facility, I checked to see what facility participated in my XXXX XXXX XXXX. I selected XXXX XXXX located in XXXX Michigan because it was the closest to my location. The hospital/XXXX XXXX billed XXXX {$1500.00} for the treatment that I received. The in-network rate for this treatment was {$970.00} which is the reason to use an in-network provider is that they have a discounted rate. XXXX paid {$630.00}. I was responsible for {$340.00}. My XXXX XXXX XXXX XXXX paid {$100.00} as that was all I had in the fund at that time. I paid {$230.00} with a credit card. These payments total the {$970.00} that I was responsible for. ( See attached supporting documents. ) XXXX XXXX turned my so called debt over to a collection agency, Wakefield Collections, for {$810.00}. I have no idea what that amount is for. This debt is now showing on my credit report. I do not owe this debt to XXXX XXXX! \n Company has responded to the consumer and the CFPB and chooses not to provide a public response WAKEFIELD & ASSOCIATES, INC. GA 300XX Older American Consent provided Web 03/29/2016 Closed with explanation Yes No 1854193
545959 01/26/2016 Debt collection Credit card Communication tactics Frequent or repeated calls Circumstances of my life changed and I can not currently pay any of the debt on my USAA credit card for a number of reasons : I have had the same XXXX for 18 years and we tenuously made things work, by agreeing as to who pays for what. \n\nWhen my landlord gave a 60 day rent increase notice, XX/XX/XXXX, XXXX had a XXXX and is temporarily staying with relatives in XXXX. Her relatives are helping and XXXX can still split the expenses with me until XX/XX/XXXX, and if I do n't find another professional job, before XX/XX/XXXX I will have to move to a cheaper cost of living area. \n\nOn XXXX XXXX, XXXX, I also underwent XXXX, to save my life. XXXX. \n\nMy circumstances are just information, part of which I gave to USAA and not to give a SOB story. \n\nUSAA said that they would not renew my credit card, even after I am able to pay back my debt to them. \n\nI had previously let USAA know that I am judgment proof, except for Federal debts. I am currently living on a combined military and XXXX pension and have XXXX XXXX car. I had also previously promised that when I get another professional job, I will take care of my credit card obligation, with USAA. \n\nToday, XXXX XXXX, XXXX, I received another one of repeated calls from the USAA credit department on XXXX. In order to " get me verified '', the caller wanted to know everything about the XXXX cars I have insured with them, as well as my social security number, etc. These are things that the department of USAA which insures me already has on file. I hope that USAA is not planning to try to seize our cars, that a third contracting party claiming to be USAA, without my knowledge, wants the information that USAA already knows, for that purpose.. \n\nI asked USAA or the anonymous third party claiming to be USAA, once again, to cease calling and told them that if they want to sue me, then that is their option. The estimated amount of the debt is {$4000.00}. I can not stop them from tacking on late charges and other fees, so I hope that I wo n't end up legally owing them a much higher sum of money and that, it can be negotiated when I am able to repay this obligation. My member number with USAA is XXXX. You may choose to omit this information, if you choose to publish this complaint. \n Company believes it acted appropriately as authorized by contract or law USAA Savings CA 940XX Older American, Servicemember Consent provided Web 01/26/2016 Closed with explanation Yes No 1759465
546066 04/04/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid My complaint is with XXXX XXXX, XXXX, and Javitch , Block & Rathbone Law Firm. In XXXX 2010 XXXX XXXX XXXX, filed a judgment against me ( case # XXXX ). The debt was paid in full ( I have documentation ) to Javitch, Block & Rathbone in XXXX, 2010. To date, the judgment still shows open on my county 's Clerk of Courts website. I 've requested XXXX XXXX ( Attorney of record ) for this debt to please forward documentation to XXXX XXXX, XXXX of the satisfied debt. To date, XXXX XXXX XXXX, states they have not received documentation. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Javitch, Block & Rathbone LLC OH 452XX Servicemember Consent provided Web 04/04/2016 Closed with explanation Yes No 1863728
546105 12/14/2015 Payday loan Payday loan Can't stop charges to bank account Can't stop charges to bank account I received a loan from Advance America, XXXX XXXX XXXX XXXX XXXX XXXX, Oh XXXX, XXXX, Fax XXXX. I got myself trap in the unrelenting cycle, but paid as required every month. My wife lost job and I had to make some financial decisions. I am on a small SSI income. My first order of business was to find a way to get out from under this cycle. I found a program thru a debt relief XXXX. They contacted Advance to negotiate an agreement to paying off the loan. Advance refused to speak with them even under a POA. We could not understand why. XXXX contacted me and ask me to go in a request a rect of balance and fax it to them, they in turn would cut a check and mail it to Advance attached to rect. I contacted Advance and they would not give a rect of bal unless I came in and made arrangements to pay the bal of {$500.00} off. I explained to them again my situation and I was not trying to renig on my obligation but getting help to pay them off. They refused to speak further on the subject and refused to mail or allow me to come in and pick up the needed rect of bal. Is there not some law that at least allows the consumer right to request documented proof of what is owed? This can be resolved today if they would give me that rect. it seems they are trying to keep me locked in to their contract. What can I do? XXXX said Advance told them they would not talk or give them anything, even with a POA. I feel I am being manipulated and my rights are being violated when I have resolved a means to this end. Thank you, can you help me resolve this matter? XXXX XXXX \n Company believes it acted appropriately as authorized by contract or law Advance America, Cash Advance Centers, Inc. OH 454XX Older American, Servicemember Consent provided Web 12/14/2015 Closed with explanation Yes No 1695933
546264 02/03/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid XXXX XXXX, XXXX To whom it may concern, On XXXX/XXXX/XXXX we received a debt collection letter from XXXX XXXX XXXX, however ; the debt was paid on XXXX/XXXX/XXXX. The debt was paid to AMCA, also known as Retrieval Masters ( according to XXXX ). In XXXX of XXXX I called AMCA at XXXX and made a payment for account # XXXX with a XXXX credit card ( see attached statement ). The account was previously handled by a company called XXXX. In XXXX on XXXX I received another collections notice from AMCA and I called and spoke to XXXX on XXXX/XXXX/XXXX, she assured me everything was taken care of and to disregard the notice, confirmation # XXXX. As mentioned at the beginning of this letter, in XXXX of XXXX my husband received a collections letter from XXXX XXXX XXXX for the exact same amount and file number and he paid the outstanding balance AGAIN, because I was not home and he thought the charge was legitimate. I would like the letters to stop and I want to make sure XXXX refunds my husband 's XXXX Credit Card immediately. The charge is for services rendered in XXXX of XXXX by XXXX XXXX, therefore ; there are no other outstanding bills because these are the only services rendered on such date ( see attached claim ). We hope this gets settled ASAP. \n\n\nXXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX \n Company believes the complaint is the result of a misunderstanding Retrieval-Masters Creditors Bureau, Inc. CA 935XX Servicemember Consent provided Web 02/05/2016 Closed with explanation Yes No 1772357
546302 03/30/2016 Debt collection I do not know Disclosure verification of debt Not given enough info to verify debt Receiving numerous calls from United Revenue. Phone XXXX. Do n't know who this is and why they are calling me as I 'm on the Do Not Call Registry. \n Company believes it acted appropriately as authorized by contract or law United Revenue Corporation TX 751XX Servicemember Consent provided Web 03/30/2016 Closed Yes No 1855951
546405 03/04/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine Received phone call from XXXX XXXX. I did find out that this is a residence phone number. \n\nGuy wanted the last XXXX of my Social Security number. Would not identify himself or the supposed company for which he was trying to collect a debt. He did have my name and phone number. \n\nI filed a complaint with the FCC which referred me to the FTC who referred me to you. \n Company believes it acted appropriately as authorized by contract or law First National Collection Bureau, Inc. CA 960XX Older American Consent provided Web 03/30/2016 Closed with explanation Yes No 1818073
546862 01/06/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I am getting numerous calls which my phone tells me is from XXXX WA. I get a recorded message that tell me it is about debt collection and it gives me XXXX phone numbers to call : XXXX and XXXX. It tells me to refer to case number XXXX. I know this is fictitious because I have no debts. I have not called the number because I think this is a scam. The incessant calls are annoying. I am supposed to be on the " do not call '' list. \n Company believes it acted appropriately as authorized by contract or law ERC AK 995XX Older American Consent provided Web 02/08/2016 Closed with non-monetary relief Yes No 1727984
547260 04/01/2016 Student loan Non-federal student loan Dealing with my lender or servicer Received bad information about my loan Behind in payments on my daughters student loan, as co signor I got involved with the bank. On XXXX XXXX, 2015 they called and said I would have until XXXX XXXX, 2015 before it went to collection on XXXX XXXX, 2015. I made the payment that evening and it cleared that evening. The very next day the school paid the loan off in full without any communication with us either from the bank or the school. The school then sends the loan to collection without any communication with us and collection agency adds XXXX. I feel that the bank told me I had 30 days and the very next day closed the account out. Is this " fraud by deception ''? XXXX specialists from the bank assured me that the loan did NOT go into default and therefore was not going to collection. \n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n\nXXXX \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Citibank NJ 077XX Older American Consent provided Web 04/01/2016 Closed with non-monetary relief Yes No 1859841
547291 03/28/2016 Debt collection Mortgage False statements or representation Indicated committed crime not paying We had a loan with XXXX aka XXXX and it was sold to specialized loan services. XXXX foreclosed on the property after 5 years. XXXX and Specialized Loan services are both showing on my credit report. I never signed any papers with this company and have no affiliation with this company, yet it is on our credit report. These companies were involved in a class action lawsuit about this issue. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Specialized Loan Servicing LLC SC 295XX Servicemember Consent provided Web 03/28/2016 Closed with explanation Yes No 1853022
547496 12/19/2015 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect This where I draw the line these folks knew I was a veteran, and dislocated worker and when they jacked up the fees. I did pull back because there is no way in XXXX I am paying that. Now too many months went by. \n Company disputes the facts presented in the complaint Moneytree Inc CO 809XX Servicemember Consent provided Web 12/21/2015 Closed with explanation Yes No 1708100
547638 01/26/2016 Payday loan Payday loan Received a loan I didn't apply for Received a loan I didn't apply for did not apply for loanDear XXXX Thank you for choosing CashNetUSA as your trusted online lender. \n\nWe have received your email/facsimile advising us that you did not apply for this loan. However in order to stop collection procedures, we will need to receive a police report specifically stating that fraud has occured with CashNetUSA under your identity. Please remember to have our company name on the report. \n\nUntil we receive the report, collection procedures will continue and you will be held responsible for the loan. \n\nIf you have any questions or concerns please contact our Collections Team. We are available 24 hours a day, seven days a week. \n\nCashNetUSA Collections Department Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Email : XXXXXXXXXXXX www.CashNetUSA.com \n Company disputes the facts presented in the complaint Enova International, Inc. MO 657XX Servicemember Consent provided Web 01/26/2016 Closed with explanation Yes No 1757750
547694 01/11/2016 Debt collection Credit card Cont'd attempts collect debt not owed Debt is not mine We have had d2 management call twice and attempt to collect debt from my wife that she has never had. The company claims the credit card was started through a XXXX XXXX XXXX, a XXXX card they stated was opened on XX/XX/XXXX and closed the following year, claiming " she made payments on the account from her bank ''. The first call stated she owed {$550.00}. Thinking this was from a recent store card she had opened in XX/XX/XXXX, she called the store credit card directly and verified that there was no balance on the card ( this is the first credit card she has ever opened, only ever having a debit card ). She called the collection agency back. When she refused to set up a payment plan, she was connected to the manager who stated she owed {$350.00}. They listed off her previous residence, gave her maiden name, and the manager even listed off her social security number in full, without verification, to me ( her husband ). They made statements that credit cards do n't always report to credit reports or that it might not show up on a credit report since it had been 8 years. They were adamant that there was no possible fraud involved on the account. They were each extremely pushy and would not listen to what we said, would not reveal their client ( seeing as this bank was bought out by XXXX XXXX and no longer exists ), said only that they were a collection agency and insisted that my wife had opened this account. She has never been contacted by XXXX XXXX. This is the first time we have heard anything on this " debt ''. We have checked credit scores multiple times in the past eight years and have not seen any sign of fault or no payment pertaining to any credit card. They were threatening that they would report us to the IRS as a XXXX unreported income. No current information was provided by my wife or myself to the debt collection agency on either of these calls as to current address, last name, or any bank account information. They called from ( XXXX ) XXXX which is a XXXX area code but stated they were calling from XXXX, that the local number was for phone numbers that do not have long distance service or only have a pay-as-you-go phone. They stated multiple times the legal disclaimer that they were seeking to collect on debt and that anything we said could be used to that means, that everything we said would be recorded for customer service and training purposes even using this to keep us from speaking. \n Company believes it acted appropriately as authorized by contract or law D2 Management LLC OK 730XX Servicemember Consent provided Web 01/11/2016 Closed with explanation Yes Yes 1736161
547869 03/31/2016 Debt collection Other (i.e. phone, health club, etc.) False statements or representation Attempted to collect wrong amount I have XXXX debts with Enhanced Recovery Corporation. XXXX debt was with XXXX that was ended in the year XXXX but ERC is reporting that it was open in XXXX/XXXX/XXXX. They will not provide me proof that this debt is mine and that the information is correct even though I told them the information they have is wrong. they also have been reporting a debt for {$180.00} that when I called and asked for validation for this debt they could not find the file. This is beyond unprofessional and i 'm requesting a full deletion of these reports on my credit reports. \n Company believes it acted appropriately as authorized by contract or law ERC SC 295XX Servicemember Consent provided Web 03/31/2016 Closed with non-monetary relief Yes No 1859307
548187 03/16/2016 Debt collection Medical Communication tactics Called after sent written cease of comm Hello, I would like to file a complaint against the Renton Collections Inc. XXXX XXXX XXXX XXXX XXXX WA. I have notified this agency multiple times both by phone and mail not to contact us regarding our debt with XXXX Hospital. Today they contacted my wife at her place of employment. When my wife spoke with them today they again refused he direction not to contact her at work. They refused provide any information regarding the debt. I called and spoke with XXXX XXXX who said she was a manager. I explained to her that I have notified them several times not to contact us as we are working with the medical group directly. She then became abusive and refused to provide me with her supervisors contact information. I indicated that they have again violated the FDCPA by contacting us. \n Company disputes the facts presented in the complaint Renton Collections Inc. WA 980XX Servicemember Consent provided Web 03/16/2016 Closed with explanation No Yes 1834965
548532 04/02/2016 Debt collection Other (i.e. phone, health club, etc.) Improper contact or sharing of info Talked to a third party about my debt Cap Mgmt Called friends ; told them this was my last day to pay and threatened my account would be " sent to the courts ''. I called Cap Mgmt. Told them I could not pay. I told the rep I was on the road and that I would call later. They kept pressuring me to set up a payment plan. Because I was in a dangerous position ( driving ) I agreed to a payment plan I can not execute. I provided them with banking info. This plan was obtained under duress by Cap Mgmt. \n Company believes it acted appropriately as authorized by contract or law Capital Management Services, LP MO 631XX Older American Consent provided Web 04/04/2016 Closed with explanation Yes No 1862076
548774 04/06/2016 Debt collection Credit card Cont'd attempts collect debt not owed Debt was paid On XX/XX/XXXX I passed out due to a XXXX.My wife called the City of XXXX XXXX XXXX XXXX. I was taken to XXXX XXXX XXXX Hospital.Te XXXX charged my insurance, Medicare XXXX and XXXX XXXX XXXX, te amount of {$1400.00}. XXXX XXXX, my XXXX, paid {$1000.00}. For unexplained reasons Medicare denied payment for the remaining balance for which I was never billed till XXXX XXXX XXXX when I received a letter from Harris and Harris, a collection agency charging me {$500.00} for that service.On XXXX/XXXX/XXXX I contacted the City of XXXX XXXX ambulance services. They accepted that they had not billed me at the right address. A lady by the name XXXX assured that her office " would pull out '' the charges from Harris and Harris and would check the status of my account since my secondary had paid most of the charges and more than two ( 2 ) years had already passed.Nonetheless Harris and Harris kept on calling at different times of the day and evening, even on Sundays, demanding immediate payment of the " outstanding '' debt.On XXXX/XXXX/XXXX I called Harris and Harris and talked to a gentleman named XXXX who apologized for the inconvenience and assured me that Harris and Harris would withdraw the charges since his records showed the payment made by XXXX.According to him, XXXX had also made a payment on the account. Now on XXXX XXXX, XXXX I received a Delinquency Notification for the same amount {$540.00} on behalf of the City of XXXX XXXX Fire Dept-XXXX. I have called that agency and was told that there is no record of that debt since, apparently, more than three years have passed. \n Company believes the complaint is the result of a misunderstanding Harris & Harris, Ltd. CA 910XX Older American Consent provided Web 04/06/2016 Closed with explanation Yes No 1866229
548858 04/09/2016 Payday loan Payday loan Charged fees or interest I didn't expect Charged fees or interest I didn't expect Paid over {$20000.00} for a {$5000.00} loan.I wish to add that since taking out this loan, I have moved from XXXX XXXX XXXX, XXXX, Ky XXXX. I was harrassed endlessly regarding this loan and was insulted on the phone by a collector. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Delbert Services VA 408XX Older American Consent provided Web 04/09/2016 Closed with explanation Yes No 1871767
548946 03/28/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine I received a letter from AARGON Collection Agency attempting to collect {$1300.00} for services provided by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX No bill or statement was attached to this collection agency 's notification. I have not been in XXXX, XXXX in 25 years and have not used any services by XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ever. I did a search on this collection agency online and through the XXXX and there seems to be many other collection complaints about AARGON Collection Agency in XXXX XXXX, XXXX. ( AARGON Collection Agency, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ) This debt is not mine. \n Company believes it acted appropriately as authorized by contract or law Aargon Agency, Inc. VA 224XX Older American, Servicemember Consent provided Web 03/28/2016 Closed No No 1851827
548998 04/06/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine My husband, XXXX-years-old needed XXXX replaced, since previous XXXX were misplaced at hospital he was in prior to XXXX visit. He did not have insurance coverage for XXXX work, so he applied for CareCredit and received {$800.00} credit toward dental work. On XX/XX/XXXX an appt. was made with XXXX, XXXX, XXXX. We handed them the approval for the {$800.00} credit approval toward XXXX work to be done. The manager at that time, stated that they can have CareCredit increase the amount to cover more of the work to be done. She called and it was denied. The cost would be {$2000.00} - {$800.00} = {$1200.00} which we used our personal credit cards to pay out of pocket {$500.00} from each credit card. This was the 1st visit and only XXXX was taken to send to XXXX. On XX/XX/XXXX my husband was admitted to XXXX from XXXX since XX/XX/XXXX, and could not make the next scheduled appt. on XX/XX/XXXX. I am receiving billings from Synchrony Financial, and XXXX XXXX XXXX, XXXX regarding the balance of {$800.00} for CareCredit. The card arrived, but was never activated by my now deceased husband. According to when I informed Synchrony Bank nd XXXX of my husband 's death, they informed me that this is not the family responsibility but yet they are still sending me statements and letters and it has been placed with collection agency which is XXXX, XXXX XXXX, XXXX in which now they are sending bill in my name. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Synchrony Financial IL 601XX Servicemember Consent provided Web 04/06/2016 Closed with monetary relief Yes No 1865046
549033 03/29/2016 Debt collection Credit card False statements or representation Impersonated an attorney or official I work from home and receive a call from a XXXX phone and the was told that I should hold for a constable. I waited for about 2 mins and a gentleman came on the line and told me he had a summons to serve me and I should verify my address which I did. He then told me to verify my social security # and he rattled off my number and I confirm it. He them told me he had a warrant for my arrest as I owed Discovery Card {$4300.00} and I inform him I have never in my life owned or used a discovery card. \n\nHe got very rude and told me he was coming to my home to XXXX until I paid my debts as I was a dead beat and people like me needed to be shot on sight. \n\nI hang up the phone and called back to speak with a manager and was refer to a XXXX who stated her employee number is XXXX and I informed her of the incident and let her know I intended to file this complaint with the CFPB and Atty General Office. \n Company believes complaint represents an opportunity for improvement to better serve consumers ZENCO COLLECTION, LLC TX 750XX Servicemember Consent provided Web 03/29/2016 Closed with explanation No No 1854996
549065 04/09/2016 Debt collection Medical False statements or representation Attempted to collect wrong amount ProCollect Inc, located at XXXX XXXX XXXX # XXXX, XXXX, TX. XXXX reported several collections items on my credit from XXXX XXXX, 2014 to XXXX XXXX, 2014 when payments were already made. The account is still there causing me loss of opportunities. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response ProCollect, Inc TX 760XX Servicemember Consent provided Web 04/09/2016 Closed with explanation Yes No 1871270
549604 02/03/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt was paid XXXX XXXX, XXXX To whom it may concern, On XXXX/XXXX/XXXX we received a debt collection letter from Credit Collection Services, however ; the debt was paid on XXXX/XXXX/XXXX. The debt was paid to XXXX, also known as XXXX ( according to XXXX ). In XXXX of XXXX I called XXXX at XXXX and made a payment for account # XXXX with a XXXX credit card ( see attached statement ). The account was previously handled by a company called XXXX XXXX. In XXXX on XX/XX/XXXX I received another collections notice from XXXX and I called and spoke to XXXX on XXXX/XXXX/XXXX, she assured me everything was taken care of and to disregard the notice, confirmation # XXXX. As mentioned at the beginning of this letter, in XXXX of XXXX my husband received a collections letter from Credit Collection Services for the exact same amount and file number and he paid the outstanding balance AGAIN, because I was not home and he thought the charge was legitimate. I would like the letters to stop and I want to make sure CCS refunds my husband 's XXXX XXXX Credit Card immediately. The charge is for services rendered in XXXX of XXXX by XXXX XXXX, therefore ; there are no other outstanding bills because these are the only services rendered on such date ( see attached claim ). We hope this gets settled ASAP. \n\n\nXXXX & XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX \n Company believes the complaint is the result of a misunderstanding CCS Financial Services, Inc. CA 935XX Servicemember Consent provided Web 02/03/2016 Closed with explanation Yes No 1771194
549616 02/05/2016 Payday loan Payday loan Applied for loan/did not receive money Applied for loan/did not receive money The purpose of this complaint is based on a rejected loan application to the following : THE CASH STORE - # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TEXAS XXXX Application was completed in person on XXXX XXXX XXXX at XXXX and was rejected. \nPrevious application was submitted on XXXX XXXX XXXX and was rejected. \n\nDemographics for the applicant are the following : XXXX Veteran, XXXX XXXX income only XXXX, over XXXX, no XXXX. \n Company chooses not to provide a public response Cottonwood Financial Ltd. TX 782XX Servicemember Consent provided Web 02/05/2016 Closed with explanation Yes No 1774984
549684 04/06/2016 Debt collection Credit card Communication tactics Frequent or repeated calls i keep getting phone calls from a debt collector for kay jewelers, today they have called 10 times today and when i do n't answer they keep calling from different numbers. they then call private and if i answer they hang up and i instantly get a call with the number showing. it is beyond harassment when i ca n't focus in class because my phone keeps buzzing every 10 minutes. i also make payments when i can, i explained to them that I am currently not employed but whenever i get money i put something down so i do n't understand the harassment. \n Company believes it acted appropriately as authorized by contract or law Sterling Jewelers Inc. VA 237XX Servicemember Consent provided Web 04/06/2016 Closed with explanation Yes No 1866586
549963 03/29/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine My Son was taken by an XXXX and the company used his insurance and is trying to collect the deductible from me. I am not responsible for this debit becaus my son is not a minor. I have disputed this debit. \n Company disputes the facts presented in the complaint United Collection Service, Inc (FL) FL 347XX Servicemember Consent provided Web 03/29/2016 Closed with explanation Yes Yes 1853800
550049 04/11/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine A company named Procollect contacted me about an electric bill to XXXX XXXX back in 2009. Not only was I not living in the state in 2009, I contacted XXXX XXXX and they have no record of me doing business with them in their system. This sounds like a fradulent debt to me. The debt even was placed on my credit report. I disputed the charges and the credit company promptly removed the charges from my credit report. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response ProCollect, Inc TX 782XX Servicemember Consent provided Web 04/11/2016 Closed with explanation Yes No 1873362
550284 04/17/2016 Debt collection Credit card Cont'd attempts collect debt not owed Debt resulted from identity theft I been receiving harassing and threatening telephone calls and XXXX threats from representatives from Rushmore Service Center in regards to XXXX XXXX account and debt of {$400.00}. I have never applied for or opened a credit card account with XXXX XXXX. The account is unauthorized and fraudulent. I am a victim of identity theft. I filed a police report with the XXXX XXXX Police Department. The police report case number is : XXXX \n Company disputes the facts presented in the complaint Rushmore Service Center, LLC MN 554XX Servicemember Consent provided Web 04/17/2016 Closed with explanation Yes No 1883378
550589 04/07/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine XXXX XXXX XXXX is trying to collect {$130.00} from me for a termination fee on a mini iPad. I have my receipts given at time of. Sale that clearly show termination fee of {$0.00}. About six hours after the purchase, I received a new contract via email that I did not agree to. This new contract contains a termination fee and my signature is forged on the contract and it 's clearly not mine. I went to XXXX and they told XXXX XXXX XXXX that I did not owe the fee but XXXX XXXX XXXX has pursued me for it. They have now turned it over to a collection agency to collect. The collection company is Prince-PARKER & Associates, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, NC XXXX. This company notified me by mail on XXXX XXXX, 2016. I replied on XXXX XXXX, 2016 stating that I do not owe this debt and included the receipts showing that I do not owe. Since then I have emailed them 5 times asking for proof of the debt and included my receipts. They have never replied to me as of this date. I believe they are in violation of Debt Collection laws as they will not respond to me, they will not supply proof that I owe the debt, they will not do anything. Today I called them and was given the excuse that they sent my paperwork back to XXXX XXXX XXXX and waiting for a response from them. That is not the way the law governing collection works. Today they also told me that XXXX XXXX XXXX says I owe the debt and will be " coming after me ''. They were quite nasty and threatening to me, a XXXX person XXXX. They told me they would come to my home in a very threatening manner. \nI pay all my bills on time and currently have a credit score of XXXX. I told them if they damage my credit I will sue they. I was told that they wo n't damage my credit but they will DESTROY it!! I classify this as harassment, again a violation of the law. PLEASE USE THIS AS AN OFFICIAL COMPLAINT AGAINST THIS DEBTOR COLLECTOR. I have never had a debt collection letter in my life but I 'm not going to pay something that I do not owe. \n Company disputes the facts presented in the complaint Prince Parker & Associates TN 380XX Older American Consent provided Web 04/07/2016 Closed with explanation Yes No 1868999
550663 04/04/2016 Debt collection Credit card Communication tactics Frequent or repeated calls I have been contacted by USAA seven times today. Five times within one and a half hours. I had n't been answering the calls and when I did finally answer the call I spoke with " XXXX. '' He informed me that it was " irrelevant '' as to how many times he contacted me as long as I had n't answered the phone. I am submitting this complaint to inform XXXX and USAA that their collection methods are annoying and harassing and I would like it to stop. I will be submitting a written letter and request to USAA as well. \n Company believes it acted appropriately as authorized by contract or law USAA Savings MN 550XX Servicemember Consent provided Web 04/04/2016 Closed with explanation Yes Yes 1862719
550913 04/10/2016 Debt collection Other (i.e. phone, health club, etc.) Disclosure verification of debt Not given enough info to verify debt I called and advised them it was not a valid debt & that I was suing the creditor. I asked for validation of the amount because it was inaccurate. Within a week, without validating the debt the collection agency reported it to credit bureaus. \n Company believes it acted appropriately as authorized by contract or law Merchants and Medical Credit Corporation, Inc. NC 282XX Servicemember Consent provided Web 04/10/2016 Closed with non-monetary relief Yes No 1872230
550936 03/21/2016 Debt collection Credit card Taking/threatening an illegal action Sued w/o proper notification of suit I had a XXXX XXXX credit card. I had unexpected medical bills so I called all the credit card companies to see if they work with me in interest rate and lower payments. XXXX XXXX agreed to let me pay {$50.00} a month. They never sent a statement after that and drafted the money out of my account every month probable over a year. Then a couple of months there was nothing. The next thing a policeman shows up at my door serving me papers where they had turned it over to Hannah and Associates. I did n't want to go to court so I set up payments with Hannah and Assoc. I do n't if that is what I owe them. I never received a letter from XXXX XXXX saying they were turning my account over. Never received statement from XXXX XXXX and never received anything from Hannah and Associates as proof that I owed the amount they said I owed. I have been paying them for well over a year and now I get a letter saying to mail my payment to XXXX XXXX XXXX attorney at law. Do I need to request that they send proof of the amount they say I owe. I do not feel like I owe that much and why would attorney turn it over to another attorney. I feel like they are scamming me. \n Company believes it acted appropriately as authorized by contract or law Frederick J. Hanna & Associates, P.C. GA 308XX Older American Consent provided Web 04/07/2016 Closed with explanation Yes No 1842464
550940 01/29/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid XXXX XXXX continues to send this account to collections and this bill has already been paid. XXXX has tarnished my credit by doing so and it is a shame and disgrace that this unfair, and unethical practice by this company. They continue to send it from one collection agency to another. I would like for this to cease. I have proof in my financial records that this bill was paid in full. \n Company believes it acted appropriately as authorized by contract or law Pinnacle Credit Services, LLC SC 297XX Servicemember Consent provided Web 02/03/2016 Closed with explanation Yes No 1764007
551298 03/29/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine In XX/XX/XXXX I moved from an apartment, with the permission of the property owners. I moved due to water problems in the apartment, i.e. it rained thru the bottom of my back door and the carpet in the dining room was soaked and mildewing. A water pipe in the upstairs bathroom was leaking and caused the kitchen cabinet to fall off the wall. I had no problems with my move and have been able to lease housing there was no negative information regarding leases on my credit report, until XXXX XXXX. In XXXX I received a notice from Absolute Recovery Services, a collection agency ; that I owe {$500.00}, my lease in XXXX was for {$610.00} a month. They also indicated a payment was made in XXXX of XXXX. I did not make a payment to them. \nI spoke with the agency via telephone and let them know the resolution I had reached with their client. \nThe lady stated she was going to submit the charge to the Credit Bureau. Which she has done. I have disputed the claim with XXXX twice and learned they do not verify information that creditors submit. If I had owed rent to the creditor it seems to me ; they should have notified me of that in XXXX, and/or gone to court to get a judgement. He did neither of these options. Instead 4 years later I am being harassed by a collection agency for an amount that does not even match my lease agreement. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Absolute Recovery Services, LLC TN 381XX Older American Consent provided Web 03/29/2016 Closed with non-monetary relief No No 1855099
551313 01/22/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid I had cable with XXXX XXXX XXXX when lived in XXXX. I only lived in XXXX for nine months. I moved to XXXX. I turned in all of my cable equipment. IN XXXX of XXXX. I received a collection notice from XXXX XXXX XXXX stating I owe a balance of {$320.00}. I made a payment arrangement with them. I paid {$110.00} ON XXXX/XXXX/XXXX AND THEN on XXXX/XXXX/XXXX I paid the remaining balance of {$220.00}. The approval code as XXXX. I also have the proof because i paid out of my XXXX checking account. I pulled my credit report and have a collection account from FOCUS RECEIVABLES Management on behalf of XXXX XXXX stating I owe {$420.00}. This account states it is opened XXXX of XXXX. I am so upset because now I have another company stating I owe monies that I have proof is paid. I am currently under investigation to obtain employment with the XXXX. I have paid all my financial obligations. i disputed the item on my credit report and will call credit bureau in the morning. Please assist in this matter. If an account is paid in full. Why would another collection agency be able to try to collect on a debt already paid! This is fraud and very confusing. I will be happy to pull my bank statement and show balance was paid in full! I also have a copy of the original credit collection service whom i paid. Thank you. \n Company believes the complaint is the result of a misunderstanding Focus Holding Company AZ 857XX Servicemember Consent provided Web 01/22/2016 Closed with explanation No No 1752913
551334 02/05/2016 Debt collection I do not know Cont'd attempts collect debt not owed Debt is not mine I am receiving calls from Focus Receivables Management about a debt that I do n't owe. \n Company can't verify or dispute the facts in the complaint Focus Holding Company LA 711XX Older American Consent provided Web 02/05/2016 Closed with explanation Yes No 1775238
551375 03/21/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Not only is this debt not mine but I have repeatedly tried to contact them to resolve this over the past few months. I even submitted a dispute through XXXX and they reported it as collections and derogatory. The contact information from XXXX and their website does not work. The phone contact sends you through an automated loop and yet they still report to experian as derogatory and collections. I even had experian contact them and they even could not contact them. This company is hurting my credit without any way to resolve it. It is keeping me from being able to fix or better my credit. The company is IC System over XXXX $ \n Company has responded to the consumer and the CFPB and chooses not to provide a public response I.C. System, Inc. CA 919XX Servicemember Consent provided Web 03/24/2016 Closed with explanation Yes Yes 1841236
551476 04/08/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine IQ DATA AKA XXXX HAS BEEN SENT LEGAL DOCUMENTATION IN REGARDS TO SUCH SAID DEBT AND REFUSES TO COMPLY WITH FEDERAL GUIDELINES AS WELL IS MIS REPUTATION THIS DEBT GOES BACK TO XX/XX/XXXX AS THEY UPDATED WRONGFULLY REPORTED XX/XX/XXXX THIS IS COMMUNICATION ERROR AND MIS REPUTATION AND VIOLATION OF THE FAIR CREDT ACT \n Company believes it acted appropriately as authorized by contract or law I.Q. Data International, Inc. NV 891XX Servicemember Consent provided Web 04/08/2016 Closed with explanation Yes No 1871043
551578 12/27/2015 Student loan Non-federal student loan Getting a loan Qualify for a better loan than offered Upon beginning classes through the XXXX XXXX ( " XXXX '' ), I was obligated by this school to borrow student loan funds through XXXX XXXX XXXX ( " XXXX '' ) ; I was awarded no alternative loan providers and was advised that I could not seek and/or apply any other student loan monies from any other loan servicer. Then, a few months after I began my studies at XXXX ( and while still attending there as a full-time student ), I was notified on several occasions by the director, president, and other financial advisors at XXXX that I had to start making payments on my student loan, and was threatened to be expelled from XXXX and, if I neglected to start making payments on the loan, that XXXX would report this on my credit bureau as a delinquent loan balance. So, I contacted XXXX to establish a repayment plan, but was told that there was no repayment plan that could be offered. In or around XXXX XXXX, 2015, my student loan was transferred to University Account XXXX, XXXX from XXXX after the CFPB Student Loan Settlement became effective. This student loan was established on false and predatory lending practices, and is also a violation of XXXX, Title 12 U.S.C. 5531 ( a ) ), the Higher Education Act, and the Federal Trade Commission Guides for XXXX XXXX. \n Company believes complaint caused principally by actions of third party outside the control or direction of the company Campus Student Funding, LLC OH 432XX Servicemember Consent provided Web 12/30/2015 Closed Yes Yes 1717090
552259 12/10/2015 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt was paid complaints : XXXX Consumer Cellular service and Professional Collection Service have made XXXX entries with Credit Reporting agencies once XXXX 2015 and XXXX 2015 stating that I have an account balance that goes unpaid and is in dispute. My previous complaints clearly points out that the balance consists of fees that are not justifiable. \n\nThey are attempting to damage my credit rating by using this approach. Again, Consumer Cellular and Professional Collection Services are attempting to have me pay a {$25.00} fee plus XXXX-dollar late fees due to my refusal in releasing a dispute with XXXX XXXX against XXXX XXXX for an unauthorized debit on my bank account. \n\nPlease review my previous complaints ; I was notified of the Credit Report activity by my Credit Union on Wednesday XXXX/XXXX/2015, confirmed by the Credit Reporting Agency XXXX. \n Company believes it acted appropriately as authorized by contract or law Ray Klein, Inc. AL 365XX Older American Consent provided Web 12/18/2015 Closed Yes No 1691131
552364 03/29/2016 Student loan Non-federal student loan Dealing with my lender or servicer Trouble with how payments are handled I have a private loan with Wells Fargo that I have paid on time religiously for 4 years. The payment is $ XXXX but I always pay {$200.00}. Over the years I frequently paid well before each month 's due date so that I would not forget. Recently, I received an email that my XXXX, 2016 payment, due on XXXX/XXXX/2016, was past due. This was confusing as I 'd made the XXXX payment on XXXX/XXXX/2016 -- after I paid the XXXX bill on XXXX/XXXX/2016 ( due on XXXX/XXXX/2016 ). I do n't think it is unreasonable to assume that, given my history of early payments, and that my XXXX payment occurred after the XXXX payment and billing cycle, that my XXXX/XXXX/2016 payment was intended for XXXX. \n\nI called Wells Fargo and was told that any payment made 20 days prior to the due date would be counted as an additional payment, not for the next month due. I should be clear again that I did n't overpay XXXX by {$200.00}. I made a separate payment of the same monthly amount that I always had, frequently very early, with no issue at all. I was told that the XXXX/XXXX/2016 payment could not simply be applied to XXXX but had to be refunded. I was then told that, because I do n't have a Wells Fargo checking account, that my payment would have to be refunded by mail, which would take " a minimum of 3 weeks. '' I was having this conversation with Wells Fargo Customer Service on XXXX/XXXX/2016, 6 days after the XXXX due date. This meant that Wells Fargo 's own process for refunding a payment that should have applied to XXXX would indeed have made me delinquent for the month. Is it fair that a financial institution can structure payments and refunds in such a way that it makes an otherwise responsible and timely customer delinquent on their debts? I raised this question to the Wells Fargo staff who informed me this was " just the way it is. '' To which I responded with skepticism, saying that this new system was probably just an inventive way of generating late fee revenues in a low interest rate environment. The representative said nothing. \n\nI called Wells Fargo again today, XXXX/XXXX/2016, to ask about the status of the refund. I was told it would be returned in the same manner in which I paid -- electronically to my non Wells Fargo checking account. This is welcome news but in direct contradiction to what I was assured was the only method of refund just 1 business day prior. Even the representative today could n't explain the change ( which had not been pro-actively communicated to me in any way -- as far as I knew I should be watching for a paper check in the mail in 3 weeks time ). Was the initial response on Friday a way to make me open an account with Wells Fargo that I otherwise would n't have? I have no idea but the inconsistency is as unprofessional and unfair as the initial insistence on delayed paper check refund itself. \n\nThis is unacceptable behavior from a financial institution that has a responsibility to treat clients with respect and holds so much power over that individual 's credit history. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Wells Fargo & Company NJ 070XX Servicemember Consent provided Web 03/29/2016 Closed with explanation No No 1854602
552470 03/28/2016 Debt collection Mortgage False statements or representation Indicated committed crime not paying We had a loan with countrywide aka BOA and it was sold to specialized loan services. BOA foreclosed on the property after 5 years. BOA and XXXX XXXX services are both showing on my credit report. I never signed any papers with this company and have no affiliation with this company, yet it is on our credit report. These companies were involved in a class action lawsuit about this issue. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Bank of America SC 295XX Servicemember Consent provided Web 03/28/2016 Closed with explanation Yes No 1853451
552509 04/01/2016 Debt collection Payday loan Cont'd attempts collect debt not owed Debt resulted from identity theft Real Time Collection Agency were calling me last year about this debt which I was sick last year with XXXX XXXX and never made a payday loan with XXXX, so they were calling me everyday stating that they were going to go to my place of employment and serve me court papers if I do n't call them, and also calling my husband threating him because they never could talk to me, due to me having XXXX, so RS, put this on my credit report, and I have disputed this with XXXX, but it is stil on my report \n Company disputes the facts presented in the complaint Real Time Resolutions CA 902XX Older American, Servicemember Consent provided Web 04/01/2016 Closed with explanation Yes No 1860456
552574 02/11/2016 Debt collection Medical Cont'd attempts collect debt not owed Debt is not mine XXXX XXXX XXXX XXXX phone number XXXX Is asking for XXXX $ But they are paid in Full.. But it still on my credit report. Also Common Wealth Financial systems XXXX they are asking for XXXX Dollars. From a Hospital Emergency Problem I had with either XXXX and or XXXX. the hospital knew that I had XXXX through the VA hospital so their dept. is paid. But the doctor is asking for his money. I called the hospital they Have no idea who the doctor was. So at this point I do n't know how to talk to the doctor to explain that he can go through the VA hospital to get his money back. XXXX XXXX Hospital billing does n't even have this in their records. I do n't know what to do. I have insurance and the Govt. should have paid for this. I am frustrated Please Help \n Company believes it acted appropriately as authorized by contract or law Commonwealth Financial Systems, Inc. PA 182XX Servicemember Consent provided Web 02/11/2016 Closed with explanation Yes No 1783722
552893 01/02/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine On XXXX XXXX, XXXX I was evicted from my apartment at XXXX XXXX XXXX, XXXX, IL XXXX under Management of XXXX. I was given until XXXX/XXXX/XXXX to move out, and a judgement-XXXX was entered against me for {$1000.00}, which included attorney fees, and court cost. A sheriff notice was placed on my door on XXXX to move within 48 hrs before any sheriff came out I had moved out. On XXXX XXXX, XXXX, after finding another place I sent the landlord a notice regarding my deposit and when it will be refunded because it 's been over 45 days since the judgment. Instead XXXX XXXX XXXX, XXXX XXXX sent me ANOTHER bill-account XXXX which is separate from the judgment and is for rent for XXXX and XXXX, and some other charges that took my deposit. It totaled {$1600.00}. I disputed the bill on XXXX/XXXX/XXXX with XXXX XXXX XXXX, sending a certified letter to XXXX XXXX XXXX, XXXX XXXX, and their attorney and neither parties responded. Instead they sent the amount to the collection agency XXXX on XXXX/XXXX/XXXX. The collection notice did n't even give me a 30 day notice to dispute. Instead in a notice dated XXXX/XXXX/XXXX. They told me that they were reporting it to the credit bureau. I do not owe {$1600.00} this amount includes rent XXXX, XXXX and XXXX, XXXX that I was not made responsible to pay per court order, because I was evicted, and questionable charges that took my deposit of {$350.00} and the collection agency is not honoring the disputed letter sent to their client, XXXX XXXX XXXX, XXXX, nor did they send me a letter stating that I had 30 days to dispute the collection. I believe they have sent this to my credit report, I have n't received a copy of the credit reports yet. Please see documents. \n Company chooses not to provide a public response FAIR COLLECTIONS & OUTSOURCING, INC. IL 622XX Servicemember Consent provided Web 01/28/2016 Closed with explanation Yes No 1724945
552923 03/01/2016 Debt collection Other (i.e. phone, health club, etc.) Cont'd attempts collect debt not owed Debt is not mine Professional Account Management, XXXX, WI, allegedly acting on behalf of the XXXX VA, is trying to collect an " unpaid parking ticket '' in the amount of {$30.00}. The supposed date of the violation was XXXX/XXXX/XXXX. I have called XXXX and P.A.M and explained that on the date cited, I was at the Virginia XXXX XXXX, working XXXX. I have not been in XXXX since XXXX. Further, the citation states that the vehicle was a XXXX. I do not own a XXXX and have never owned a XXXX. Finally the P.A.M. notice states that {$40.00} dollars has been paid and the outstanding amount due is {$30.00}. I never paid anyone {$40.00} and I am not paying anyone {$30.00}. I explained all this to XXXX and P.A.M. in great detail in XXXX and advised them to check their records and find out who paid the original {$40.00}. I assumed it had been resolved, but I got another notice today. If this is a scam, I want them shut down. If this is shoddy record keeping on the part of XXXX and/or P.A.M, I want it stopped. P.A.M. threatens to destroy my credit. If that happens, I want my credit restored. \n Company believes it acted appropriately as authorized by contract or law Duncan Solutions, lnc. VA 231XX Older American, Servicemember Consent provided Web 03/03/2016 Closed with explanation Yes No 1811518
553022 03/31/2016 Debt collection Other (i.e. phone, health club, etc.) Communication tactics Frequent or repeated calls Last year, the city of XXXX billed me just for penalties and interest pertaining to city wage taxes My accountant responded with reasons as to why they should waive the amount. Before the expiration of the first notice from the XXXX, the matter electronically went over to XXXX for collections. \nI spoke to XXXX last XXXX and sent them all the back up including the accountants letter. They told me they would follow up. \nI never heard back from them and assumed it was resolved. \nOn Monday, XXXX XXXX I received a computer message from XXXX and I called back. I spoke to XXXX XXXX in their office who explained to me that the XXXX did not waive the interest and penalties ( a little over {$900.00} ). I told him that I would pay the amount and just asked him for something in writing requesting the debt and giving me payment instructions. \nHe told me that I should receive it by today, XXXX XXXX ( which I havent yet ). \nOn the following day at XXXX XXXX I got another of their harassing computer messages and assumed it was a mistake. Yesterday, I received another call, and tried to call them back asking them to stop the harassment. I was on hold for 25 minutes and had to hang up. \nToday I received a call from my adult son ( who has a family of his own ), who told me that he received two calls from XXXX in the last two days and when he finally got to speak to someone XXXX the was told that they were looking for me. So now they were at a point where they were now harassing my family. \nThis morning after speaking to my son, I called XXXX back again, and while I was on hold waiting for someone I received yet another of their harassing calls. \nI finally got to speak to a manager named XXXX XXXX who basically said ..oops..human error. \nI have no idea why they cant control their automated system and why they would start to harass my children after I agreed to a resolution. \n Company has responded to the consumer and the CFPB and chooses not to provide a public response Navient Solutions, Inc. PA 191XX Older American Consent provided Web 03/31/2016 Closed with explanation Yes No 1859040
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| date_received | product | sub_product | issue | sub_issue | consumer_complaint_narrative | company_public_response | company | state | zipcode | tags | consumer_consent_provided | submitted_via | date_sent_to_company | company_response_to_consumer | timely_response | consumer_disputed? | complaint_id | |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| 191335 | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False |
| 191417 | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False |
| 191636 | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False |
| 191858 | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False |
| 192023 | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False |
| ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... | ... |
| 552509 | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False |
| 552574 | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False |
| 552893 | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False |
| 552923 | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False |
| 553022 | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False | False |
1483 rows × 18 columns
df.to_csv('cleaned.csv')